About this role
Commercial Credit Analyst - Equipment Finance - Remote Altius Search Group is recruiting a Commercial Credit Analyst for an established national equipment finance company. This remote position will underwrite commercial borrowers and equipment finance transactions, prepare well-supported credit recommendations, and partner with sales, operations, documentation, and credit leadership throughout the approval process. Direct commercial equipment finance underwriting experience is required. Candidates without prior underwriting experience in the equipment finance industry will not be considered. General commercial lending, banking, consumer finance, accounts receivable, or leasing experience without direct equipment finance underwriting experience does not meet the requirements for this position. The ideal candidate will have three to seven years of direct equipment finance underwriting experience and the ability to independently manage assigned transactions while appropriately escalating complex structures, policy exceptions, and higher-risk issues. Key Responsibilities Underwrite commercial equipment finance transactions by analyzing financial statements, tax returns, cash flow, credit reports, bank information, collateral, guarantor support, and repayment capacity. Evaluate equipment loans, finance leases, capital leases, operating leases, sale-leaseback transactions, vendor finance programs, and other commercial equipment finance structures. Assess equipment values, collateral quality, advance rates, proposed terms, transaction structure, industry conditions, borrower strength, and concentration exposure. Identify material credit risks, policy exceptions, documentation concerns, and appropriate structural or financial mitigants. Prepare clear, concise, and well-supported credit memoranda and approval recommendations for new transactions, renewals, amendments, and other credit requests. Present transactions and respond to questions from senior credit leadership or the credit committee as needed. Collaborate with sales, operations, documentation, asset management, and credit leadership to obtain required information and move qualified transactions efficiently through the approval process. Maintain complete and accurate credit files, approval conditions, workflow status, and supporting documentation. Monitor assigned transactions for adverse trends, emerging risks, missing information, and unresolved approval conditions. Communicate credit concerns promptly and exercise sound independent judgment within established policies and approval guidelines.