Senior Credit Analyst

Madison-Davis, LLC; Burlington (NJ); Hybride; USD 115 000 - 130 000; Plein temps

Résumé du poste

Madison-Davis, LLC in Burlington, NJ is seeking a Senior Credit Analyst Equipment Lending to join its credit team. The role focuses on underwriting complex equipment finance transactions typically $500K+ and supporting facilities up to $10MM.

You will analyze financial statements, tax returns, and credit reports, mentor junior staff, and collaborate with sales and internal teams to ensure timely decisions while upholding risk guidelines. This hybrid role combines in-office days with remote work.

Qualifications

• Bachelor's degree in Finance, Business, or related field, or equivalent experience.
• 5+ years of experience in commercial credit underwriting or equipment finance.
• Experience underwriting and decisioning equipment lease and loan transactions.
• Strong financial statement spreading and cash flow analysis.
• Experience with large transactions and credit facilities preferred.
• Background in construction, industrial, or hard asset financing preferred.
• Experience with inventory finance or broker-originated transactions is a plus.
• Excellent communication, negotiation, and relationship-building skills.
• Ability to manage multiple transactions in a high-volume environment.
• Mentoring junior credit analysts is preferred.

Responsabilités

• Underwrite and decision complex equipment finance transactions, typically $500K and above.
• Analyze financial statements, tax returns, credit reports to assess risk.
• Evaluate transactions across construction, industrial, material handling, and other hard asset sectors.
• Structure and recommend credit approvals, including larger credit facilities of up to $10MM
• Conduct annual credit line reviews and monitor existing customer relationships.
• Negotiate and structure complex or challenging credits while balancing risk and business objectives.
• Partner with sales, originations, and internal credit teams to facilitate timely decisions and resolve outstanding credit requests.
• Provide guidance, training, and mentorship to junior credit analysts.
• Maintain accurate credit documentation and ensure decisions align with established risk management guidelines.
• Support high-risk and broker-originated transactions as needed.
• Assist with credit scoring model enhancements and process improvements.

Connaissances

Credit underwriting

Financial statement analysis

Cash flow analysis

Credit risk assessment

Negotiation

Mentorship

Communication

Relationship building

Formation

Bachelor's degree in Finance/Business

Description du poste

Senior Credit Analyst Equipment LendingLocation: Burlington, NJSchedule: Hybrid In-office Wednesday and Thursday;remote the remainder of the weekCompensation: $115, 000 $130, 000+ base salary, depending on experience, plus 15% bonusJob Type: Full-TimeJob ID: 34747

ABOUT THE ROLE Our client, a leading equipment financing organization, is seeking an experienced Senior Credit Analyst Equipment Lending to join its growing credit team in Burlington, NJ. This individual will be responsible for underwriting and decisioning complex commercial credit transactions, generally $500K and above, across a variety of industries, including construction, industrial, and material handling equipment. The role will also support larger credit facilities of up to $10MM, including annual credit line reviews and ongoing portfolio monitoring. The ideal candidate has strong equipment finance underwriting experience, sound financial analysis skills, and the ability to make independent credit decisions in a fast-paced, high-volume environment. This person will also serve as a resource and mentor to junior members of the credit team.

RESPONSIBILITIES

• Underwrite and decision complex equipment finance transactions, typically $500K and above.
• Analyze commercial credit applications, financial statements, tax returns, credit reports, and other supporting documentation to assess risk and repayment ability.
• Evaluate transactions across construction, industrial, material handling, and other hard asset equipment sectors.
• Structure and recommend credit approvals, including larger credit facilities of up to $10MM
• Conduct annual credit line reviews and monitor existing customer relationships.
• Negotiate and structure complex or challenging credits while balancing risk and business objectives.
• Partner with sales, originations, and internal credit teams to facilitate timely decisions and resolve outstanding credit requests.
• Provide guidance, training, and mentorship to junior credit analysts.
• Maintain accurate credit documentation and ensure decisions align with established risk management guidelines.
• Support high-risk and broker-originated transactions as needed.
• Assist with credit scoring model enhancements and process improvements.

QUALIFICATIONS

• Bachelor's degree in Finance, Business, or a related field, or equivalent experience.
• 5+ years of experience in commercial credit underwriting or equipment finance.
• Demonstrated experience independently underwriting and decisioning equipment lease and loan transactions.
• Strong financial statement spreading, cash flow analysis, and credit risk assessment skills.
• Experience with larger commercial transactions and credit facilities preferred.
• Background in construction, industrial, material handling, or other hard asset financing strongly preferred.
• Experience with inventory finance or broker-originated transactions is a plus.
• Strong understanding of credit scoring, risk ratings, and commercial credit reporting resources.
• Excellent communication, negotiation, and relationship-building skills.
• Ability to manage multiple transactions in a high-volume environment while maintaining accuracy and turnaround times.
• Previous experience mentoring or supporting junior credit analysts is preferred.