Job Description
Are you a detail-oriented financial professional looking to make an impact in the equipment leasing industry? Apex Financial Solutions is seeking a dedicated Credit Analyst to join our dynamic team in Arlington, TX. We specialize in providing state-of-the-art equipment to businesses across the nation, and we need a skilled analyst to ensure our credit portfolio remains healthy and profitable.
As a Credit Analyst, you will play a pivotal role in our underwriting process. You will evaluate the creditworthiness of potential clients, analyze financial data, and mitigate risk while facilitating growth for our partners. If you have a passion for numbers and a desire to work in a fast-paced, equipment-provided environment, we want to hear from you.
Responsibilities
- Conduct Thorough Credit Analysis: Evaluate loan applications and lease agreements by analyzing financial statements, tax returns, and credit reports to assess borrower risk.
- Assess Equipment Leasing Risk: Specifically evaluate the creditworthiness of clients utilizing our provided equipment, ensuring repayment capacity aligns with asset value.
- Prepare Credit Memos: Document findings, credit scores, and risk assessments in detailed internal reports to support lending decisions.
- Monitor Portfolio Health: Conduct periodic reviews of existing accounts to identify early warning signs of default and recommend corrective actions.
- Collaborate with Sales Teams: Partner with our account executives to provide credit risk insights that help close deals quickly and accurately.
- Compliance & Documentation: Ensure all credit files are complete, organized, and compliant with internal policies and regulatory standards.
Qualifications
- Education: Bachelor’s degree in Finance, Accounting, Economics, or a related field (Bachelor’s degree required).
- Experience: 2-4 years of experience in commercial credit analysis, financial analysis, or lending.
- Technical Skills: Proficiency in Microsoft Excel (pivot tables, VLOOKUP) and experience with loan origination software or credit scoring models.
- Analytical Mindset: Strong ability to interpret complex financial data and translate it into actionable risk assessments.
- Communication: Excellent verbal and written communication skills for presenting findings to senior management.
- Industry Knowledge: Familiarity with equipment leasing or asset-based lending is highly preferred.