The Role
Underwrite and adjudicate commercial credit submissions, structure deals, manage syndication and funding-partner relationships, develop credit scoring and policy, build monitoring dashboards, analyze portfolio performance, and mentor junior analysts while collaborating across credit, sales, accounting, and data teams.
Summary Generated by Built In
Job Description
The Senior Credit Analyst plays a critical role across the full credit lifecycle — from underwriting and structuring individual transactions to managing syndication and funding-partner relationships to advancing the analytical tools and processes that support Beacon's credit decisioning. This role combines the transaction-level judgment of a seasoned underwriter with the data and process orientation of a credit analytics specialist, and may include mentoring or providing working guidance to junior credit analysts as part of day-to-day deal flow..
Job Responsibilities
- Review, evaluate, and adjudicate a high volume of daily commercial credit submissions, including financial statement analysis, collateral evaluation, and business history review
- Recommend appropriate risk-based pricing and deal structure; direct, coordinate, and make recommendations for lease approvals
- Conduct background investigation including bank, finance company, and trade references, and confirmation of revenue sources
- Identify transactions to be funded via Beacon's portfolio or third-party funding partners, and manage a pipeline of “in credit” transactions in a timely manner
- Assist in the underwriting of portfolio acquisitions and/or portfolio sales
- Maintain working familiarity with Beacon's core industry assets and business borrowers
- Manage and grow relationships with Beacon's syndicate bank and funding partners
- Negotiate improved financing terms and conditions with syndication and funding partners
- Identify and establish new syndication bank programs and funding partnerships
- Assist in the development and ongoing enhancement of corporate credit scoring strategy and credit policy manual
- Build and maintain dashboards, alerts, and visualization tools (e.g., Tableau) to monitor key credit and portfolio performance indicators
- Independently research and recommend asset classes, credit tools, systems, and data sources to improve underwriting and support new business generation
- Analyze credit data and portfolio performance to identify underwriting trends, risks, and opportunities, and translate findings into clearly defined, implementable strategies and rules
- Maintain credit standards and monitor industry regulations, requirements, trends, and competitor activity to ensure ongoing compliance
- Present credit analytics findings and recommendations to senior management, and work closely with executives on credit policy and credit decisions
- Effectively communicate with sales staff to facilitate deal flow, and assist in establishing payment terms and procedures with new vendor referral relationships
- Collaborate with data analysts and application developers to build, fix, and enhance credit underwriting technology and reporting platforms
- Foster effective teamwork across credit, sales, accounting, documentation, and collections
- Provide working guidance and mentorship to junior credit analysts as needed; contribute to a positive, collaborative team environment
- Participate in project management alongside cross-functional business partners on new initiatives, prioritization, and delivery
Job Requirements
- Bachelor's degree in finance, business, or a related field
- 5+ years of combined experience in credit underwriting, portfolio management, and/or credit analytics, ideally with a bank, finance company, or leasing company
- Business and/or four (4) year college degree is preferred
- Experience with small-ticket, construction, and/or commercial vehicle equipment finance is a plus
- Advanced knowledge of loans, leasing, credit analysis, underwriting, and deal structuring
- Strong analytical skills with the ability to identify risks, trends, and opportunities from data, and translate analysis into actionable strategy
- Proficiency with data visualization and reporting tools (e.g., Tableau) and strong general computer skills
- Strong interpersonal, negotiation, leadership, and verbal/written communication skills; comfortable engaging with senior management
- Proactive self-starter with a positive, can-do attitude and sound organizational and time-management skills
Benefits
- Competitive base salary plus bonus opportunity
- Flextime earned for additional hours worked over 8 hour days
- 401(K) Matching Plan
- Company Profit Sharing Plan
- Medical, dental & vision insurance (UnitedHealthcare medical plan)
- 14 Days off beginning after 30 days of employment
- Employer that is a recognized market leader in the use of credit and underwriting technology
Skills Required
- Bachelor's degree in finance, business, or a related field
- 5+ years combined experience in credit underwriting, portfolio management, and/or credit analytics
- Advanced knowledge of loans, leasing, credit analysis, underwriting, and deal structuring
- Proficiency with data visualization and reporting tools (e.g., Tableau) and strong general computer skills
- Strong analytical skills; translate data analysis into actionable strategy
- Strong interpersonal, negotiation, leadership, and verbal/written communication skills
- Proactive self-starter with strong organizational and time-management skills
- Experience with small-ticket, construction, and/or commercial vehicle equipment finance
- Ability to provide guidance or mentorship to junior credit analysts
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The Company
What We Do
Here at Beacon Funding, we’ve spent nearly 30 years establishing ourselves as the premier, full-service provider of financing solutions to all types of organizations throughout a wide variety of industries. Whether you’re an equipment manufacturer looking for a vendor financing partner or you’re looking to finance an equipment purchase for your business (think tow truck, boom truck, embroidery equipment), we have the expertise and support to help you succeed. At Beacon, we like to think that we have developed the ideal blueprint for running an equipment financing operation. It takes talented and dedicated employees nationwide to deliver competitive and dependable equipment financing programs that our vendors and clients have come to expect. Not only do we have the financing knowledge, but we’re also experts on the equipment we finance, so we have both sides of the equations covered. This means that we’re able to provide financing services to all types of businesses: new, established, and financially healthy and even those with a troubled credit history
