Senior Credit Analyst

CSI Leasing, Inc.; Weldon Spring Heights (MO); Sur place; USD 90 000 - 120 000; Plein temps

Avantages offerts par ce poste

Medical, dental, and vision coverage

Employer 401(k) retirement savings

Paid Time Off

On-site fitness center

Wellness program

Company events

Résumé du poste

CSI Leasing, Inc. is seeking a Senior Credit Analyst to evaluate, structure, and recommend complex credit transactions and significant exposures to support sound risk management and lending decisions.

The role involves advanced credit analysis using financial statements and cash flow, presenting well-supported recommendations to senior management, and mentoring junior staff while contributing to policy improvements.

Qualifications

• Bachelor’s degree in Finance or Accounting required.
• Minimum 5+ years of credit analysis experience.
• Experience evaluating complex credit exposures with financial statement and cash flow analysis.
• Experience presenting credit recommendations to senior stakeholders or credit committee.

Responsabilités

• Analyze financial statements and cash flow for complex credit exposures.
• Deliver comprehensive credit analysis and recommendations to credit officers and senior management.
• Compile and present reporting to executive management.
• Support Sales team in structuring credit solutions within risk appetite.
• Assist in reviewing multinational customers.

Connaissances

Financial analysis

Cash flow analysis

Credit risk assessment

Communication skills

Independent judgement

Attention to detail

Time management

Formation

Bachelor’s degree in Finance/Accounting

Master’s degree (Finance/Accounting/ MBA)

CFA or CPA certification

Outils

Microsoft Office

Credit analysis software

Financial modeling software

Description du poste

As one of the largest independent leasing specialists in the world, CSI employees work to provide our customers with superior service and intelligent solutions. We are their resource, not only for financial solutions, but for help with asset management, end-of-life data security, disposal and more – all on a global scale. CSI has been investing in our employees for five decades, start your journey with us today!

The Senior Credit Analyst is primarily responsible for evaluating, structuring, and recommending complex credit transactions and significant exposures to support sound risk management and lending decisions. This role performs advanced credit analysis utilizing financial statement and cash flow evaluation and presents well-supported recommendations to senior management and key stakeholders. The Senior Credit Analyst also provides mentorship to junior staff and contributes to the enhancement of credit policies, processes, and risk management practices.

Key Responsibilities

• Analyze financial statements and cash flow for existing and prospective clients, with a focus on complex or higher-risk credit exposures
• Deliver comprehensive, well-reasoned credit analysis and recommendations to credit officers and senior management
• Compile, analyze and present reporting to executive management
• Provide support and guidance to Sales team to structure credit solutions that align with risk appetite and business objectives
• Support in reviewing and management of multinational customers

Skills and Knowledge

• Advanced financial statement and cash flow analysis skills, with the ability to assess complex credit structures
• Strong knowledge of accounting principles
• Well-developed organizational and time management skills, with the ability to manage multiple priorities and deadlines
• Proficiency with software programs including Microsoft Word, Excel, and PowerPoint
• Strong verbal and written communication skills
• Demonstrated ability to work independently and exercise sound judgement in credit decision-making
• High attention to detail

Required Experience/Education

• Bachelor’s degree in Finance, Accounting or a related field
• Minimum of 5+ years of experience in credit analysis or related field
• Demonstrated experience evaluating complex credit exposures, including financial statement and cash flow analysis
• Experience preparing and presenting credit recommendations to senior stakeholder or credit committee

Preferred Experience/Education

• Masters degree in Finance, Accounting, Business Administration or related field
• Professional certifications such as CFA, CPA or equivalent
• Experience with financial modeling or credit analysis software

How we take care of our people:

Competitive pay & benefits package includes:

• Medical, dental, and vision coverage for you & your family
• Virtual medical and mental health care coverage
• Pre-tax medical & dependent care flexible spending accounts
• Health Reimbursement Arrangement
• Company matched 401(k) retirement savings account
• Company-paid short & long-term disability and life insurance
• Employee Assistance Program
• Paid Time Off
• On-site fitness center
• Wellness program
• Company events