Credit & Operations Specialist

Universal Finance Corp.; Lynnfield (MA); On-site; USD 70,000 - 100,000; Full time

Job summary

Universal Finance is seeking a versatile Credit & Operations Specialist who understands commercial finance, works with borrowers, and can manage underwriting, documentation, and funding processes. You will review applications, discuss financing goals with borrowers, gather documents, coordinate with internal teams, and help move deals from application to funding.

This role requires strong credit judgment, attention to detail, and the ability to work independently and as part of a team in a

Qualifications

• Experience in commercial finance underwriting, equipment finance, lending, or a closely related field.
• Strong phone and communication skills with borrowers.
• Ability to analyze financial information and make well-supported credit recommendations.
• Experience with equipment or vehicle titling, lien processing, and financing documentation preferred.
• Strong attention to detail, organization, and follow-through.
• Ability to manage multiple transactions, adjust priorities, and work independently.
• Practical, solutions-oriented approach balancing customer service with credit standards.

Responsibilities

• Review credit applications, credit reports, financial statements, bank statements, and supporting documents to evaluate borrower creditworthiness and repayment ability.
• Speak directly with borrowers to understand their businesses, equipment needs, financial circumstances, and financing goals.
• Clarify information, gather missing documents, and resolve questions or obstacles that could delay approval or funding.
• Coordinate with credit, operations, dealers, and other parties to keep transactions moving.
• Maintain accurate files and provide clear updates on deal status and outstanding items.
• Prepare and review documents, verify approval conditions, and help ensure transactions are complete and ready to fund.
• Assist with a variety of credit and operational tasks as department needs evolve.

Skills

Credit underwriting

Communication

Deal coordination

Financial analysis

Attention to detail

Independence

Job description

We’re looking for a versatile Credit & Operations Specialist who understands commercial finance, enjoys working with borrowers, and can handle a variety of responsibilities within our credit department.

This role combines financial underwriting with the practical work needed to bring a transaction from application to funding—including documentation, organization, and borrower communication. The right person will ask good questions, exercise sound credit judgment, and take ownership of moving deals forward.

Key Responsibilities

• Review credit applications, credit reports, financial statements, bank statements, and supporting documents to evaluate borrower creditworthiness and repayment ability.
• Speak directly with borrowers to understand their businesses, equipment needs, financial circumstances, and financing goals.
• Clarify information, gather missing documents, and resolve questions or obstacles that could delay approval or funding.
• Coordinate with credit, operations, dealers, and other parties to keep transactions moving.
• Maintain accurate files and provide clear updates on deal status and outstanding items.
• Prepare and review documents, verify approval conditions, and help ensure transactions are complete and ready to fund.
• Assist with a variety of credit and operational tasks as department needs evolve.

Qualifications

• Experience in commercial finance underwriting, equipment finance, lending, or a closely related field.
• Strong phone and communication skills, with the ability to build rapport and have productive conversations with borrowers.
• Ability to analyze financial information and make well-supported credit recommendations.
• Experience with equipment or vehicle titling, lien processing, and financing documentation preferred.
• Strong attention to detail, organization, and follow-through.
• Ability to manage multiple transactions, adjust priorities, and work independently.
• A practical, solutions-oriented approach that balances customer service with sound credit standards.

Who Will Succeed in This Role

Someone who is comfortable reviewing financials, picking up the phone, and handling the details needed to close a deal. We need a person who looks beyond a checklist, understands what a borrower is trying to accomplish, and works with the team to find a responsible path

About Universal Finance

Universal Finance is an equipment finance company helping businesses secure the equipment they need to grow. We work closely with borrowers, equipment vendors, and referral partners to provide practical financing solutions and personalized service. Our team values accountability, teamwork, and strong relationships, with a focus on moving transactions efficiently from application through funding.