Credit Analyst III

Frederick Fox; Denver (CO); On-site; USD 96,000 - 111,000; Full time

Benefits offered by this job

401(k) match

Health coverage

Life & disability insurance

Paid time off

Holidays

Job summary

Frederick Fox LLC is seeking a Credit Analyst III for Commercial Equipment Finance to independently evaluate complex mid-ticket transactions with strong underwriting authority.

You will analyze financial statements, cash flows, and collateral, and partner with originations to close profitable deals while upholding risk standards; you’ll mentor junior analysts and contribute to credit policy enhancements.

Qualifications

• Bachelor’s degree required in finance or related field.
• MBA or CLFP is a plus.
• Experience underwriting commercial credit and equipment finance.

Responsibilities

• Lead complex underwriting of mid-ticket equipment transactions using financial statements, tax returns, and cash flow models.
• Exercise autonomous credit authority up to $750,000 with policy exceptions as needed.
• Partner with Originations to close profitable deals while maintaining portfolio risk standards.
• Mentor junior analysts in financial spreading and structured risk assessment.

Skills

Credit underwriting

Financial analysis

Debt service coverage modeling

Communication

Education

Bachelor’s degree in Finance, Accounting, Economics, or Business

MBA

CLFP

Tools

Excel

Job description

Credit Analyst III — Commercial Equipment Finance

Industry: Specialty Commercial Lending & Transportation Equipment Finance

Compensation: $96,000 — $111,000 Base Salary Comprehensive Benefits

The Opportunity

Our client is a well-capitalized, market-leading independent commercial finance institution managing a portfolio exceeding $1 billion in specialized assets across all 50 states, Puerto Rico, and Canada. Recognized across the specialty lending industry for stability, deep collateral acumen, and rapid deal execution, they are expanding their credit operations to support record origination volume.

On their behalf, we are conducting a confidential search for a Credit Analyst III. This role is built for an experienced commercial credit underwriter who wants true autonomy—evaluating complex, high-impact transactions with meaningful individual lending authority ($750K), direct collaboration with commercial originators, and a visible voice in credit policy and junior analyst mentorship.

Key Responsibilities

• Lead Complex Underwriting: Independently analyze commercial credit packages for mid-ticket equipment transactions using business and personal tax returns, financial statements, cash flow modeling, and guarantor strength.
• Exercise Autonomous Credit Authority: Hold and deploy individual approval authority up to $750,000, structuring policy exceptions, workarounds, and creative transaction frameworks.
• Partner with Originations: Act as a commercial credit partner to Sales, helping close profitable transactions while preserving disciplined portfolio risk standards.
• Evaluate Collateral & Market Dynamics: Assess asset liquidation values, equipment life cycles, and market exposure across the commercial transportation sector.
• Mentor & Elevate: Guide, train, and develop junior credit analysts on financial spreading, underwriting rationale, and structured risk assessment.
• Drive Strategic Initiatives: Contribute to portfolio risk management, underwriting policy refinement, and special analytical projects directly supporting credit leadership.

Candidate Profile

• Experience: 4 years of dedicated commercial credit underwriting, equipment leasing, or specialty finance experience.
• Lending Autonomy: Experience operating with individual credit approval authority and a proven history of underwriting complex, exception-based credit requests.
• Financial Mastery: Advanced financial statement analysis, debt service coverage modeling, and Excel capabilities; adept at evaluating owner-dependent businesses and limited disclosure packages.
• Education: Bachelor’s degree in Finance, Accounting, Economics, or Business required; advanced credentials (MBA, CLFP) are a distinct plus.
• Asset Exposure: Prior exposure to commercial transportation equipment or titled mobile collateral is preferred but not required.
• Communication & Presence: Ability to articulate complex risk factors succinctly to commercial teams, leadership, and external partners.

Total Rewards & Value Proposition

• Competitive Compensation: $96,000 — $111,000 base salary, calibrated to relevant deal experience and depth of credit authority.
• Immediate 401(k) Match: Day-one company matching funds beginning with your very first contribution.
• Comprehensive Health Coverage: High-tier medical, dental, and vision insurance options, complemented by HSA/FSA plans.
• Income Protection & Wellness: Employer-paid life and disability coverage, generous PTO, dedicated sick leave, and standard company-paid holidays.
• Unique Perks: Employee vehicle discount purchasing program and ongoing career advancement pathways within a nationally recognized commercial finance leader.