Senior Credit Analyst

UNIFI EQUIPMENT FINANCE, INC.; Ann Arbor (MI); On-site; USD 90,000 - 120,000; Full time

Job summary

UniFi Equipment Finance, Inc. in Ann Arbor, MI is seeking a Senior Credit Analyst to join the Credit Underwriting team and influence policy and portfolio quality.

You will underwrite transactions, analyze financial statements, and prepare concise credit recommendations while collaborating with Sales to structure financing solutions. Ideal candidates bring 5 years of progressive commercial credit experience, familiarity with credit bureaus and reporting, and strong communication skills.

Qualifications

• 5+ years of progressive commercial credit adjudication and underwriting.
• Familiarity with PayNet, D&B, business credit bureaus and credit scorecards.
• Experience in equipment finance, commercial banking, asset-based lending or other commercial credit disciplines.
• Strong financial statement, tax return, cash flow analysis capability.
• Clear credit judgment and the ability to communicate and defend recommendations.

Responsibilities

• Independently underwrite and approve equipment finance transactions within assigned authority and policy.
• Analyze business and personal financial statements, tax returns, and interim financial information.
• Evaluate cash flow, DSCR, leverage, liquidity and repayment capacity.
• Prepare clear credit recommendations for deal review, including complex opportunities.
• Partner with Sales to structure financing solutions balancing risk and customer needs.
• Document rationale for credit exceptions clearly and thoroughly.
• Contribute to portfolio reviews, trend analysis and management reporting.
• Participate in audits, examinations and process-improvement initiatives.
• Communicate credit decisions to internal and external stakeholders.
• Ensure compliance with applicable regulations and standards.
• Assist in maintaining relationships with partners.

Skills

Credit underwriting

Financial statement analysis

Credit policy knowledge

Communication skills

Team collaboration

Education

Bachelor's degree in finance or economics

Tools

PayNet

D&B

Credit scorecards

UCC filings knowledge

Job description

Description

Make More Than Credit Decisions. Make A Career.

UniFi Equipment Finance, a wholly owned subsidiary of Bank of Ann Arbor and one of The Monitors Top 100 Leasing Companies for 2026, is seeking an experienced credit professional who wants to do more than simply underwrite transactions. This position offers the distinctive opportunity to join our Credit Underwriting team while developing the judgment, authority and leadership experience needed to be considered for advancement within the Credit organization.

At UniFi, the Senior Credit Analyst is a highly trusted colleague who helps shape portfolio quality, influence Credit policy and supports responsible growth. If you are ready to move beyond a traditional credit underwriting role and build toward a career in Credit leadership, we’d like to speak with you!

The Ideal Candidate

• Excels in a past paced, team-centric environment.
• Thrives on greater responsibility, visibility and process ownership.
• Can make timely decisions and confidently explain credit rationale.
• Builds productive relationships with internal and external stakeholders.
• Has the interest and potential to grow with the company.

Responsibilities

• Independently underwrite and approve equipment finance transactions within assigned authority and in accordance with UniFi credit policy.
• Analyze business and personal financial statements, tax returns, and interim financial information.
• Evaluate cash flow, DSCR, global cash flow, leverage, liquidity, repayment capacity, operating trends and industry risk.
• Prepare clear, concise and well supported credit recommendations for deal review, including larger, complex or elevated risk opportunities.
• Partner with Sales to structure financing solutions that appropriately balance risk, return and customer needs.
• Apply sound judgment to credit exceptions and clearly document the supporting rationale.
• Contribute to portfolio reviews, trend analysis, management reporting and remediation discussions.
• Participate in audits, examinations, internal reviews, training and process-improvement initiatives.
• Communicate credit decisions or requests for additional information effectively to internal and external stakeholders.
• Ensure compliance with applicable regulations and standards.
• Assist in building and maintain relationships with our partners.
• Other duties as assigned.

Requirements

• 5 years’ experience of progressive commercial credit adjudication and underwriting.
• Familiarity with PayNet, D&B, business credit bureaus and credit scorecards.
• Experience in equipment finance, commercial banking, asset-based lending, specialty finance or other relevant commercial credit disciplines.
• Strong financial statement, tax return, cash flow and global cash flow analysis capability.
• Sound credit judgment and the ability to clearly communicate and defend credit recommendations.
• Strong written and verbal communication skills.
• Excellent problem-solving capability.
• High proficiency in Microsoft Office suite of products.

Preferred

• Bachelor’s degree in finance or economics.
• Equipment Leasing and Finance experience.
• Experience with lease and loan structures, TRAC Leases, residual risk, and supporting documentation.
• Knowledge of UCC filings, liens, titles, collateral perfection and equipment valuation.
• Certified Lease & Finance Professional (CLFP) certification
• In or near Ann Arbor, MI

Why Join UniFi?

• Direct Access and Impact: Work in a collaborative environment where your input and opinion matters.
• Fast Paced, Energetic Environment.
• Stability of a very strong bank owned platform (Bank of Ann Arbor).
• Professional growth.
• Join a Fast Growing, Highly Motivated Team focused on the future!