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Senior Credit Analyst

Posted: 06/04/2020

 *This position can be located in either Marshall, MN or Devils Lake, ND.   

The Senior Credit Analyst is responsible for working with the Credit Department and Sales Department to evaluate and underwrite larger financial statement transactions. In addition, the Sr. Credit Analyst is responsible for managing the credits within identified channels. This position is responsible for creating and maintaining productive relationships with vendors, customers and business partners that reflect superior customer experience consistent with our organization’s vision, core values, and team guidelines.  

 

Duties and Responsibilities: 

Underwriting  

Investigate, evaluate and underwrite larger financial statement transactions in accordance with credit policies and guidelines, program structure and delegated credit authority. Review tax returns, financial statements, commercial and consumer credit reports and other sources to evaluate the customers’ credit capacity. Communicate directly with the Business Development Managers and customers during the underwriting process. Perform credit review, complete credit narrative and present to Credit Committee and Board of Directors, when required. Assist with small ticket underwriting and decisioning as needed.  

Relationship Management  

Manage and continue to grow strong relationships with vendors, customers and business partners, as well as internal departments to drive business results and create a superior customer experience. Foster a close working relationship with departments throughout the organization to identify appropriate risk tolerance within new or existing business opportunities.  

Data Management & Reporting  

Ensure updates/reports required in WEF’s Credit Policy are presented to the Board of Directors in an effective and efficient manner. Possess a high degree of proficiency in Excel and report generation with the ability to analyze, summarize and communicate findings. Assist with data mining and tracking to aid the team in creating department dashboards.  

Special Projects 
Manage special projects as needed. Special projects will vary based on workload, organizational priorities and identified initiatives. Some travel may be required.  

 

Bachelor’s Degree in Finance, Economics, or Business-related field required with 5+ years of experience in leasing and financing preferred. 7+ years of experience in underwriting required with a thorough understanding of cash flow analysis.  

This is a full time position with benefits.  

At Western, “what” you know is important, but not as important as how you relate to teammates and customers. Our environment is based on the principles of respect, curiosity, creativity, individual empowerment, and the ability to listen effectively and communicate openly. We also believe in continual learning, bias toward action, keeping commitments, and doing our absolute best every day. We believe that our ability to deliver on our promise is a result of these high standards.  

Western Equipment Finance is an EEO and Affirmative Action Employer. 

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