Commercial Credit Analyst – Equipment Finance

Altius Search Group

. Underwrite commercial equipment finance transactions by analyzing financial statements, tax returns, cash flow, credit reports, bank information, collateral, guarantor support, and repayment capacity .

Posted 9/24/2026full-timeRemote • United StatesMid-LevelSenior💰 $90,000 - $105,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in commercial equipment finance underwriting, including financial analysis, transaction evaluation, and risk assessment. Proficient in preparing credit memoranda and collaborating with cross-functional teams to ensure effective transaction management.

Highest-signal resume keywords

Commercial Equipment Finance Underwriting ExperienceFinancial Statement AnalysisCredit Memoranda PreparationTransaction EvaluationMicrosoft Excel Proficiency

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial Statement AnalysisCash Flow AnalysisCollateral EvaluationRepayment Capacity AnalysisEquipment Value AssessmentTransaction StructuringCredit Risk IdentificationDocumentation RequirementsCredit Policy KnowledgePortfolio Management

Soft Skills

Strong Written CommunicationStrong Verbal CommunicationIndependent JudgmentCollaboration SkillsAbility to Manage Multiple Transactions

Tools & Technologies

Microsoft ExcelMicrosoft WordCommercial Credit SystemsPortfolio Management Systems

Industry Keywords

Commercial Equipment FinanceEquipment LoansFinance LeasesCapital LeasesOperating LeasesSale-Leaseback TransactionsVendor Finance ProgramsCredit CommitteeApproval RecommendationsAdverse Trends Monitoring

About the role

Key responsibilities & impact

Underwrite commercial equipment finance transactions by analyzing financial statements, tax returns, cash flow, credit reports, bank information, collateral, guarantor support, and repayment capacity
Evaluate equipment loans, finance leases, capital leases, operating leases, sale-leaseback transactions, vendor finance programs, and other commercial equipment finance structures
Assess equipment values, collateral quality, advance rates, proposed terms, transaction structure, industry conditions, borrower strength, and concentration exposure
Identify material credit risks, policy exceptions, documentation concerns, and appropriate structural or financial mitigants
Prepare credit memoranda and approval recommendations for new transactions, renewals, amendments, and other credit requests
Present transactions and respond to questions from senior credit leadership or the credit committee
Collaborate with sales, operations, documentation, asset management, and credit leadership to move qualified transactions through approval
Maintain complete and accurate credit files, approval conditions, workflow status, and supporting documentation
Monitor assigned transactions for adverse trends, emerging risks, missing information, and unresolved approval conditions
Communicate credit concerns promptly and exercise independent judgment within established policies and approval guidelines

Requirements

What you’ll need

Three to seven years of direct commercial equipment finance underwriting experience
Prior underwriting experience in the equipment finance industry is required; candidates without it will not be considered
Experience underwriting commercial equipment loans, leases, or other equipment finance transactions
Strong financial statement, cash flow, liquidity, leverage, collateral, and repayment-capacity analysis skills
Experience evaluating equipment values, advance rates, transaction terms, guarantor support, and repayment risk
Ability to prepare concise, accurate, and well-supported credit memoranda and underwriting recommendations
Working knowledge of commercial equipment finance structures, collateral considerations, documentation requirements, and credit policies
Ability to manage multiple transactions independently and escalate complex or higher-risk matters appropriately
Strong written and verbal communication skills
Ability to work effectively with sales, operations, documentation, asset management, and credit partners
Proficiency with Microsoft Excel, Word, and commercial credit or portfolio management systems
Ability to work remotely from within the United States during required business hours
Bachelor's degree in finance, accounting, economics, business, or a related field is preferred
Equivalent direct commercial equipment finance underwriting experience may be considered