Small Business Credit Analyst (Hybrid)

At Pitney Bowes, we do the right thing, the right way.  As a member of our team, you can too.

We have amazing people who are the driving force, the inspiration and foundation of our company. Our thriving culture can be broken down into four components: Client. Team. Win. Innovate.

We actively look for prospects who:
•    Are passionate about client success.
•    Enjoy collaborating with others.
•    Strive to exceed expectations.
•    Move boldly in the quest for superior and best in market solutions.

Job Description:

You are:

The PB Risk Team is recruiting for an associate level credit individual with 2-3 years’ experience in small business products - equipment loans & leases, and short-term revolving lines of credit with a focus on high-volume, small-ticket transactions requiring quick turnaround. Preferably credit trained in commercial regional bank or financial institution underwriting both equipment finance and working capital or commercial credit card transactions.

You will:

Responsibilities will include credit underwriting of small and middle market products for Pitney Bowes. As a credit underwriter you will review lease, loan, and revolving lines of credit applications and credit history. You will also need to verify income and debt information.

• Underwriting of small business flow transactions in a fast-paced environment. While ticket sizes vary, the vast majority are less than $10,000 and you will be expected to handle 100+ per week
• Transactional underwriting and due diligence to determine whether applicants meet the criteria for creditworthiness.
• For larger transactions, spread and analyze financial statements of public and private companies to assess cash flow, profitability, liquidity, debt load, capital position, etc., and assessing financial condition through use of financial ratios and other tools.
• For small ticket transactions, which comprise the majority of requests, record approval rationale in the system of record. For larger transactions, document findings and recommendations in a well-organized credit write-up in accordance with credit authority.
• Pull credit bureaus and understand and interpret credit bureau scores and data (Moody’s, S&P, D&B and Equifax) in formulating the company’s credit risk.
• Business and personal financial & credit analysis and identifying risks and mitigates.
• Propose structured approvals where appropriate using down payments, payments in advance, guarantees, and shortened terms.
• Work closely with Sales and Client Support to ensure all customer queries are handled in a prompt and professional manner  .
• Ability to understand pay history screens, cash applications, delinquencies, and write-offs pertaining to existing clients. Prior experience of using TSYS would be beneficial.
• Perform periodic credit line renewal write-ups and recommend renewal, increase, or decrease, and ensure customer is assigned appropriate risk rating
• Reviewing each application for compliance with federal and state regulations, including fair lending laws.
• Ability to work flexible hours during peak business cycles.
• Reports to the Chief Risk Officer

Your background:

As a Commercial Credit Underwriter you have:

• A four-year Bachelor's degree or professional accounting qualification.
• 2-3 years’ experience in credit underwriting and experience in a similar role in a bank, financial institution, or leasing environment is desirable.
•  Ability to work in fast paced environment, requiring prompt but accurate credit decisions and the ability to effectively re-prioritize workload on an hourly basisWell-developed written and verbal communication skills.
• Strong knowledge of banking concepts and regulations.
• Working knowledge of industry standard credit rating tools and ideally TSYS.
• Must be legally authorized to work in the US.  Employer will not sponsor position for employment visa status now or in the future (ex. H-1B).

Compensation:

The wage range for this position is $60,000 - $90,000 / year, with the actual pay dependent on your skills and experience as they relate to the job requirements.

Location:

This is a hybrid role, with 4 days in the Tampa or Salt Lake City office required. (No relocation assistance offered.) 

We will:

• Provide the opportunity to grow and develop your career
• Offer an inclusive environment that encourages diverse perspectives and ideas
• Deliver challenging and unique opportunities to contribute to the success of a transforming organization
• Offer comprehensive benefits globally (PB Live Well)

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Women / Minorities / Veterans / LGBTQ+ / Individuals with Disabilities are encouraged to apply.

All interested individuals must apply online. Individuals with disabilities who cannot apply via our online application should refer to the alternate application options via our Individuals with Disabilities link.