Mid-Ticket Senior Credit Analyst

PEAC Solutions; Mount Laurel Township (NJ); Hybrid; USD 130,000 - 190,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life insurance

Disability insurance

401(k) with match

Paid time off

Birthday off

Job summary

PEAC Solutions seeks a Mid-Ticket Senior Credit Analyst to underwrite and manage commercial loan and lease transactions from $500,000 to $25,000,000 across industries. You will evaluate credit risk and present approvals to Credit Committee, partnering with Sales and Operations to streamline processes.

This role includes mentoring, policy development, and participation in credit committee reviews, with a hybrid Mt. Laurel, NJ schedule (three days in office, two remote).

Qualifications

• 15+ years of commercial credit underwriting in equipment leasing and middle-ticket transactions.
• Experience with CTI and Specialty Finance products (inventory, rental, wholesale).
• Strong financial statement and tax return analysis; excellent communication and organization.

Responsibilities

• Underwrite and evaluate middle-ticket equipment finance transactions from $500,000 to $25,000,000.
• Analyze financial statements, tax returns, credit reports, and due diligence to assess creditworthiness.
• Prepare and present credit approvals and annual reviews to Credit Committee and Senior Management.
• Support Sales and Operations in structuring and closing complex transactions.
• Lead underwriting activities for Specialty Finance products including inventory, rental, and wholesale financing.
• Develop and maintain underwriting guidelines and risk acceptance criteria.
• Ensure transactions comply with credit policies, audits, and portfolio risk standards.
• Mentor junior underwriting staff and provide co-approval support during high-volume periods.
• Communicate credit decisions and portfolio performance to internal stakeholders.

Skills

Credit underwriting

Financial analysis

Communication

Organizational skills

Leadership/mentoring

Education

Bachelor’s degree in Finance, Accounting, Economics, or related field

Tools

CTI

Excel

Job description

We are PEAC Solutions—large enough to finance the globe, yet small enough to stand shoulder-to-shoulder with our customers. We believe in the power of partnership and the promise of possibility. Our purpose is to fuel growth by providing smart, flexible lending solutions that help businesses overcome obstacles and seize new opportunities. Backed by HPS Investment Partners, a leading global investment firm, we offer equipment financing, working capital, and inventory lending solutions that keep businesses moving forward. As the world’s largest independent equipment finance company, we are expanding our global footprint—and we are doing it with purpose, grit, and a commitment to those we serve.

You are someone who thrives in an environment where ambition meets action. You bring curiosity, resilience, and a strong sense of accountability. You see challenges as opportunities and believe in making an impact for customers, for your team, and for the business. If you are looking to be a part of a company that values partnership over hierarchy and purpose over routine, your next chapter could start here.

PEAC Solutions is seeking an experienced Mid-Ticket Senior Credit Analyst to underwrite and manage commercial loan and lease transactions ranging from $500,000 to $25,000,000 across diverse industries and equipment types. This role is responsible for evaluating credit risk, preparing and presenting credit approvals, supporting complex transactions, and partnering with Sales and Operations to ensure an efficient transaction process. The position also provides leadership support through mentoring, policy development, and participation in credit committee reviews.

Essential Functions

• Underwrite and evaluate middle-ticket equipment finance transactions ranging from $500,000 to $25,000,000.
• Analyze commercial and personal financial statements, tax returns, credit reports, and due diligence materials to assess creditworthiness.
• Prepare and present credit approval summaries, annual reviews, and recommendations to Credit Committee and Senior Management.
• Support Sales and Operations in structuring and closing complex or non-standard transactions.
• Lead underwriting activities for Specialty Finance products, including inventory, wholesale, and rental financing programs.
• Develop and maintain underwriting guidelines and risk acceptance criteria.
• Ensure transactions comply with company credit policies, audit requirements, and portfolio risk standards.
• Provide mentoring and co-approval support for junior underwriting staff and assist with workflow management during high-volume periods.
• Communicate credit decisions and portfolio performance effectively to internal stakeholders and leadership.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, or related field preferred; equivalent experience considered.
• 15+ years of commercial credit underwriting experience in equipment leasing and middle-ticket transactions required.
• Experience with CT&I and Specialty Finance products, including inventory, rental, and wholesale financing.
• Strong financial statement and tax return analysis skills.
• Excellent communication, analytical, and organizational skills.
• Proficiency with Microsoft Office applications, including Excel, Word, and PowerPoint.

Additional Information

• This is a hybrid position based in our Mt. Laurel, NJ office. Team members work three days per week in the office and two days remotely.

PEAC Solutions is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, ethnicity, disability, religion, national origin, gender, gender identity, gender expression, marital status, sexual orientation, age, protected veteran status, or any other characteristic protected by federal, state, or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.

The successful candidate will receive competitive compensation along with our benefit package which includes medical, dental, vision, life insurance, short and long-term disability, 401(k) with match, flexible spending, and paid time off. PEAC provides one paid day off per year to support community involvement. Celebrate you by also having off your birthday on us!