Junior Credit Analyst - Equipment Finance

Wilks Brothers, LLC; Fort Worth (TX); On-site; USD 52,000 - 76,000; Full time

Benefits offered by this job

Medical + Dental + Vision Coverage

401K + Company Match

Life Insurance + Long Term Disability

Health Savings Account (HSA)

Tuition Reimbursement Program

Wellness Check Program - Insurance

Paid Holidays

Paid Time Off (PTO)

Job summary

Equify Financial is seeking a motivated Credit Analyst I to join the credit and underwriting team in Fort Worth, TX. This entry-level position provides exposure to equipment finance, commercial lending, and construction underwriting, supporting underwriting, portfolio management, and credit administration functions.

The ideal candidate will have a finance-related degree and an interest in risk analysis, with opportunities to grow alongside senior analysts and cross-functional teams in a

Qualifications

• Bachelor’s Degree in Finance, Accounting, Economics, Business Administration, or related field, required.
• 0-3 years of work-related skill, knowledge, or experience in commercial banking, equipment finance, credit analysis, financial analysis, or public accounting is preferred.
• Internship or rotational experience in commercial lending or equipment finance is preferred.
• Understanding of financial statements and cash flow analysis is preferred.
• Construction, equipment, industrial, and/or transportation industry exposure is preferred.

Responsibilities

• Analyze business financial statements, tax returns, cash flow, bank statements, and borrowing requests to support credit underwriting and transaction structuring.
• Prepare financial spreads, borrower cash flow analyses, credit memos, underwriting summaries, and portfolio management reports.
• Review collateral schedules, equipment valuations, UCC filings, background checks, and other due diligence items required to support credit decisions.
• Prepare written credit memos utilizing the Six C’s of Credit for commercial, construction, transportation, and other industrial entities.
• Support annual reviews, portfolio renewals, and ongoing borrower monitoring activities, including covenant compliance and risk rating updates.
• Collaborate with internal departments including sales, documentation, funding, and accounting to support transaction closing.

Skills

Critical thinking

Analytical skills

Independent worker

Team collaboration

Confidential handling

Excel proficiency

Education

Bachelor’s Degree in Finance/Accounting/Economics/Business

Tools

Financial spreading tools

Job description

Equify Financial is seeking a motivated Credit Analyst I to join the credit and underwriting team in Fort Worth, TX. This entry-level position provides exposure to equipment finance, commercial lending, and construction underwriting, supporting underwriting, portfolio management, and credit administration functions.

The ideal candidate will have a finance-related degree and an interest in risk analysis, with opportunities to grow alongside senior analysts and cross-functional teams in a