Job Title: Credit Analyst
Location: Jamaica
Department: Credit & Risk
Reports To: Credit Manager / Head of Credit
Employment Type: Full-Time
About North Mill Equipment Finance
North Mill Equipment Finance is a fast-growing equipment finance lender, supporting businesses across diverse industries with tailored lending solutions. We pride ourselves on our responsive service, data-driven approach, and commitment to helping our clients grow with the right equipment at the right time.
Position Summary
We are seeking a detail-oriented and analytical Credit Analyst to join our team in Jamaica. In this role, you will assess application-only credit submissions by evaluating asset loan-to-value (LTV) ratios, reviewing the personal credit of guarantors, analyzing business credit histories, and reviewing personal and business background information to support sound, fast-paced credit decisions.
Key Responsibilities
Analyze credit applications for equipment financing using an application-only process.
Evaluate the personal credit profiles of individual guarantors, including credit bureau reports and payment histories.
Review business credit reports and history from sources such as D&B, Paynet, or similar.
Conduct personal and business background checks to identify any potential credit and/or character concerns.
Utilize public records, online searches, to verify applicant information.
Review and assess the loan-to-value (LTV) of equipment being financed based on market data and internal guidelines.
Concise communication with broker partners when additional information is needed to decision a transaction.
Summarize findings and provide clear, concise recommendations to the approving authority.
Maintain accurate credit files and ensure all documentation is captured in internal systems.
Verify and maintain the accuracy of all data entered the system, including applicant and business names, asset classifications, and other relevant information.
Work closely with sales and operations teams to support timely and efficient deal processing.
Qualifications
Bachelor’s degree in Finance, Business, Economics, or a related field.
2+ years of experience in credit analysis or underwriting, preferably in equipment finance or small-ticket commercial lending.
Solid understanding of credit reports, scoring models, and risk assessment for both individuals and businesses.
Familiarity with credit bureau platforms (e.g., Equifax, TransUnion) and business credit tools (e.g., D&B, Experian).
Proficiency in Microsoft Excel and standard productivity tools.
Strong analytical skills, attention to detail, and decision-making ability.
- Clear and professional written and verbal communication skills.
- Ability to quickly adapt to changing credit parameters influenced by market trends, portfolio performance and new initiatives.
Preferred Qualifications
Experience with application-only lending models or automated credit decisioning platforms.
Familiarity with various equipment types in transportation, construction, or manufacturing.
Exposure to CRM or credit management systems (e.g., Salesforce, nCino, or similar).
Typing Speed Requirement: 25 wpm
Through our dedicated associates, Conduent delivers mission-critical services and solutions on behalf of Fortune 100 companies and over 500 governments - creating exceptional outcomes for our clients and the millions of people who count on them. You have an opportunity to personally thrive, make a difference and be part of a culture where individuality is noticed and valued every day.
About the TeamConduent is an Equal Opportunity Employer and considers applicants for all positions without regard to race, color, creed, religion, ancestry, national origin, age, gender identity, gender expression, sex/gender, marital status, sexual orientation, physical or mental disability, medical condition, use of a guide dog or service animal, military/veteran status, citizenship status, basis of genetic information, or any other group protected by law.
For US applicants: People with disabilities who need a reasonable accommodation to apply for or compete for employment with Conduent may request such accommodation(s) by submitting their request through this form that must be downloaded: click here to access or download the form. Complete the form and then email it as an attachment to [email protected]. You may also click here to access Conduent's ADAAA Accommodation Policy.
Skills Required
- Bachelor's degree in Finance, Business, Economics, or a related field
- 2+ years of experience in credit analysis or underwriting, preferably in equipment finance or small-ticket commercial lending
- Solid understanding of credit reports, scoring models, and risk assessment for both individuals and businesses
- Familiarity with credit bureau platforms (e.g., Equifax, TransUnion) and business credit tools (e.g., D&B, Experian)
- Proficiency in Microsoft Excel and standard productivity tools
- Strong analytical skills, attention to detail, and decision-making ability
- Clear and professional written and verbal communication skills
- Ability to quickly adapt to changing credit parameters influenced by market trends, portfolio performance and new initiatives
Conduent Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Conduent and has not been reviewed or approved by Conduent.
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Healthcare Strength — Health coverage is broad, with multiple plan options, preventive care at 100%, telemedicine access, behavioral health support, and wellness resources.
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Leave & Time Off Breadth — Paid time off, holidays, sick days, volunteer time, and parental leave are included, offering multiple avenues for rest and personal needs.
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Wellbeing & Lifestyle Benefits — Perks include childcare and commuter benefits, fitness stipends, discount programs, an Employee Assistance Program, and a remote work program that support overall wellbeing.
Conduent Insights
What We Do
Conduent delivers mission-critical services and solutions on behalf of businesses and governments — creating exceptional outcomes for its clients and the millions of people who count on them. Through process, technology and our diverse and dedicated associates, Conduent solutions and services automate workflows, improve efficiencies, reduce costs and enable revenue growth. It’s why most Fortune 100 companies and over 500 government entities depend on Conduent every day to manage their essential interactions and move their operations forward. At Conduent, we are one team with one mission. When you join Conduent, you are engaged in creating the future — both our company’s and your own. You’ll have the opportunity to grow and thrive through experiences and formalized learning programs.
