Large-Ticket Equipment Finance Underwriter - Remote

Altius Search Group; Oregon; Hybrid; USD 90,000 - 105,000; Full time

Job summary

Altius Search Group is seeking a Large Ticket - Credit Analyst for an established national equipment finance company. This remote role underwrites commercial borrowers and equipment finance transactions, preparing well-supported credit recommendations and partnering with sales, operations, and leadership throughout the approval process.

The ideal candidate has 3–7 years of direct equipment finance underwriting experience and can independently manage transactions while escalating complex issues

Qualifications

• Three to seven years of direct commercial equipment finance underwriting experience.
• Prior underwriting experience in the equipment finance industry is required.
• Candidates without direct equipment finance underwriting experience will not be considered.
• Strong financial statement, cash flow, liquidity, leverage, collateral, and repayment-capacity analysis skills.
• Experience evaluating equipment values, advance rates, transaction terms, guarantor support, and repayment risk.
• Demonstrated ability to prepare concise, accurate, and well-supported credit memoranda and underwriting recommendations.
• Working knowledge of commercial equipment finance structures, collateral considerations, documentation requirements, and credit policies.
• Ability to manage multiple transactions independently, meet service expectations, and elevate complex or higher-risk matters appropriately.
• Strong written and verbal communication skills.
• Ability to work remotely from within the United States during required business hours.

Responsibilities

• Underwrite commercial equipment finance transactions by analyzing financial statements, tax returns, cash flow, credit reports, bank information, collateral, guarantor support, and repayment capacity.
• Evaluate equipment loans, finance leases, capital leases, operating leases, sale-leaseback transactions, vendor finance programs, and other commercial equipment finance structures.
• Assess equipment values, collateral quality, advance rates, proposed terms, transaction structure, industry conditions, borrower strength, and concentration exposure.
• Identify material credit risks, policy exceptions, documentation concerns, and appropriate structural or financial mitigants.
• Prepare clear, concise, and well-supported credit memoranda and approval recommendations for new transactions, renewals, amendments, and other credit requests.
• Present transactions and respond to questions from senior credit leadership or the credit committee as needed.
• Collaborate with sales, operations, documentation, asset management, and credit leadership to obtain required information and move qualified transactions efficiently through the approval process.
• Maintain complete and accurate credit files, approval conditions, workflow status, and supporting documentation.
• Monitor assigned transactions for adverse trends, emerging risks, missing information, and unresolved approval conditions.
• Communicate credit concerns promptly and exercise sound independent judgment within established policies and approval guidelines.

Job description

Altius Search Group is seeking a Large Ticket - Credit Analyst for an established national equipment finance company. This remote role underwrites commercial borrowers and equipment finance transactions, preparing well-supported credit recommendations and partnering with sales, operations, and leadership throughout the approval process.

The ideal candidate has 3–7 years of direct equipment finance underwriting experience and can independently manage transactions while escalating complex issues