Senior Credit Analyst

Job Description

Job Description

We are looking for an experienced Credit Analyst to join our team in Brookfield, Wisconsin. This role will focus on managing credit and underwriting operations for small-ticket loans and equipment leases, while also contributing to the company’s strategic growth initiatives. The ideal candidate will have a strong background in commercial credit analysis and leadership, with a commitment to delivering exceptional service and maintaining regulatory compliance.

Responsibilities :

• Oversee credit and underwriting processes for small-ticket loans and equipment leases, ranging from $10,000 to $250,000 or more.
• Provide leadership and mentorship to a team of credit analysts and underwriters, including setting credit authorities and training programs.
• Review and approve complex transactions, ensuring they align with company guidelines while addressing exceptions when necessary.
• Develop and implement scalable credit scoring models and automated underwriting systems to improve efficiency.
• Collaborate with Sales, Operations, and Customer Service teams to ensure timely processing and an exceptional customer experience.
• Monitor portfolio performance, focusing on delinquency rates and loss metrics, and take proactive measures to mitigate risks.
• Maintain compliance with regulatory requirements and prepare for annual audits.
• Update and refine Ideal Customer profiles on a regular basis to align with business needs.
• Serve as a member of the Executive Leadership Team, contributing to strategic planning and risk management initiatives.
• At least 10 years of senior-level experience in commercial credit and underwriting within equipment finance or small business lending.
• Extensive knowledge of credit risk assessment, financial statement analysis, and collateral evaluation.
• Proven ability to lead and mentor a team of credit professionals.
• Experience working in a bank or independent lender environment specializing in loans and leases ranging from $10,000 to $250,000.
• Familiarity with small business credit scoring models, secured lending practices, and relevant regulatory filings.
• Strong decision-making skills with a balance of analytical expertise and business judgment.
• Proficiency in using loan origination systems and credit automation tools is preferred.