Senior Credit Analyst, Equipment Finance (Remote)

Northwest Bank; Columbus (OH); Remote; USD 70,000 - 100,000; Full time

Job summary

Northwest Bank seeks a Credit Analyst III - Equipment Finance to perform financial statement spreading, underwriting, and credit analysis for commercial lending. You will prepare credit memos for new money requests and support annual reviews and modifications for complex credits.

You will analyze financial data, industry risk, and loan structures, using spread software and develop recommendations within credit memos. Collaboration with credit teams ensures sound risk controls.

Qualifications

• Bachelor’s degree in business, accounting, finance, or related discipline.
• 6–8 years relevant commercial lending or credit administration experience, specifically Equipment Finance.
• Ability to analyze complex credits accurately and efficiently.
• Knowledge of lending to a wide variety of industries.
• Strong data analysis and computer skills.
• Ability to work with minimal supervision and exercise independent judgment.

Responsibilities

• Prepare timely, high quality credit analysis and recommendations that evaluate credit actions.
• Engage in the Opportunity Memo process and participate in OM calls.
• Analyze financial statements, industry risk, loan structure and market conditions to assess creditworthiness.
• Utilize financial spreading software and other tools to evaluate cash flow and repayment sources.
• Conduct underwriting, identify risks, and prepare collateral coverage in credit memos or modifications.
• Work with credit approval team on loan structuring, documentation, and controls.
• Complete underwriting tasks within SLA and turnaround times.
• Participate in business calls with commercial lending and credit administration teams.
• Maintain data integrity with the underwriting platform and ensure accurate credit relationships.
• Remain current on banking rules relating to Credit Administration and Commercial Lending.

Education

Bachelor's degree in business, accounting, finance

Tools

Financial spreading

Underwriting

Credit analysis

Cash flow analysis

Risk assessment

Credit memos

Portfolio management

Regulatory compliance

Job description

Northwest Bank seeks a Credit Analyst III - Equipment Finance to perform financial statement spreading, underwriting, and credit analysis for commercial lending. You will prepare credit memos for new money requests and support annual reviews and modifications for complex credits.

You will analyze financial data, industry risk, and loan structures, using spread software and develop recommendations within credit memos. Collaboration with credit teams ensures sound risk controls.