Remote Equipment Finance Underwriter

Openkrill; United States; Remote; USD 90,000 - 105,000; Full time

Job summary

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

The ideal candidate will have three to seven years of direct equipment finance underwriting experience and the ability to independently

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.
• Demonstrated experience underwriting commercial equipment loans, leases, or other equipment finance transactions.
• Strong financial statement, cash flow, liquidity, leverage, collateral, and repayment-capacity analysis skills.

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.

Skills

Equipment underwriting

Credit analysis

Financial analysis

Cash flow analysis

Written communication

Excel

Education

Bachelor's degree

Tools

Credit systems

Job description

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

The ideal candidate will have three to seven years of direct equipment finance underwriting experience and the ability to independently