Sr. Commercial Credit Analyst | Large Ticket | Equipment Finance (REMOTE)

Altius Search Group is recruiting on behalf of a rapidly growing national equipment finance company seeking an experienced Senior Credit Analyst. Our client is expanding its large-ticket lending platform and needs a seasoned credit professional who can independently evaluate complex transactions, develop appropriate credit structures, and clearly communicate risk recommendations to senior management.

The ideal candidate will bring at least five years of large-ticket equipment finance underwriting experience, strong financial analysis capabilities, and a demonstrated ability to prepare thorough, well-supported credit memoranda. This individual will also serve as a strategic credit partner to the sales team throughout the transaction process.

Key Responsibilities

• Underwrite complex, large-ticket equipment finance transactions involving established middle-market and corporate borrowers.
• Analyze financial statements, cash flow, leverage, liquidity, debt-service capacity, collateral, ownership structures, and other relevant risk factors.
• Identify the primary strengths, weaknesses, and mitigating factors associated with each transaction.
• Recommend credit structures that support business objectives while remaining consistent with established risk parameters.
• Prepare comprehensive credit memoranda and present recommendations to senior credit and executive leadership.
• Evaluate transactions involving complex borrower structures, customized programs, and nonstandard terms.
• Partner with business development professionals to assess transaction feasibility and recommend appropriate structures.
• Exercise independent credit judgment and manage assigned transactions with limited supervision.
• Coordinate with legal, documentation, operations, and other internal teams to address credit and closing requirements.
• Complete credit reviews accurately and within established service expectations.
• Support portfolio quality through disciplined underwriting and the consistent application of credit standards.
• Participate in process-improvement initiatives and other projects supporting the continued growth of the large-ticket business.

Required Qualifications

• Bachelor’s degree in finance, accounting, business, economics, or a related discipline.
• At least five years of equipment finance credit underwriting experience.
• Direct experience underwriting large-ticket, complex, or structured equipment finance transactions.
• Advanced ability to analyze income statements, balance sheets, cash-flow statements, tax returns, and supporting financial information.
• Demonstrated experience preparing formal credit memoranda and presenting credit recommendations.
• Ability to independently identify risk and develop sound, well-supported underwriting conclusions.
• Strong written and verbal communication skills.
• Proficiency with Microsoft Excel, Word, and other financial analysis tools.
• Ability to manage multiple transactions and competing priorities in a fast-paced environment.
• High degree of professionalism, discretion, and sound judgment when handling confidential information.

Ideal Candidate Profile

• Detail-oriented with a strong analytical mindset.
• Confident making independent credit decisions and recommendations.
• Comfortable working with complex or incomplete information.
• Collaborative and capable of building productive relationships with sales and operational teams.
• Solutions-oriented, adaptable, and accountable.
• Interested in joining a growing, performance-driven organization with opportunities for continued professional development.

What the Company Offers

• The opportunity to join a rapidly growing national equipment finance platform.
• A collaborative, technology-focused working environment.
• Meaningful exposure to complex, large-ticket transactions.
• Opportunities for professional growth and advancement.
• Competitive compensation and a comprehensive employee benefits package.