Senior Credit Analyst, Equipment Finance Expert

Transwest; Minnesota; On-site; USD 96,000 - 111,000; Full time

Benefits offered by this job

Medical, Dental, Vision Insurance

Life & Disability Insurance

401(k) with company match

HSA/FSA

Paid time off & holidays

Employee Car Discount Program

Job summary

Trans Lease is seeking a Credit Analyst III to independently evaluate complex equipment finance transactions and support sound lending decisions. You’ll analyze financials, assess collateral, and provide trusted credit recommendations in collaboration with Sales and other teams.

The role requires 4+ years in equipment finance or related credit areas, with mentoring responsibilities and potential to influence underwriting standards. Competitive salary and comprehensive benefits offered.

Qualifications

• Bachelor's degree required; advanced degree or professional certification is a plus.
• Typically 4+ years of equipment finance, commercial credit, or specialty lending experience.
• Demonstrated ability to underwrite complex, higher-risk, and exception-based transactions.
• Approval authority up to $750,000, including appropriate policy exceptions and complex structures.

Responsibilities

• Analyze and underwrite commercial credit applications using financial statements, tax returns, credit bureaus, and other relevant information.
• Evaluate borrower strength, cash flow, guarantor support, collateral, equipment values, and overall transaction risk.
• Determine risk and provide clear, well-supported credit recommendations and decisions.
• Approve, condition, decline, restructure, or escalate transactions within established authority.
• Work closely with Sales to support originations, manage customer relationships, and provide timely deal execution.
• Develop strong knowledge of the commercial transportation and equipment finance industries.
• Monitor customer financial performance, credit exposure, and emerging portfolio risks.
• Manage multiple transactions while maintaining efficient turnaround times.
• Support funding activities, including pricing and funding packages, as needed.
• Participate in credit process improvements, special projects, and back-testing.
• Provide mentoring, training, and guidance to other Credit Analysts, as applicable.
• Contribute to credit policy, underwriting standards, and portfolio risk management at the senior level.

Skills

Equipment finance

Leasing experience

Commercial lending

Specialty lending

Excel skills

Credit judgment

Mentoring others

Education

Bachelor's degree

Advanced degree or cert.

Tools

Excel

Job description

Trans Lease is seeking a Credit Analyst III to independently evaluate complex equipment finance transactions and support sound lending decisions. You’ll analyze financials, assess collateral, and provide trusted credit recommendations in collaboration with Sales and other teams.

The role requires 4+ years in equipment finance or related credit areas, with mentoring responsibilities and potential to influence underwriting standards. Competitive salary and comprehensive benefits offered.