About this role
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.
Job Title: Credit Analyst Location: Jamaica Department: Credit & Risk Reports To: Credit Manager / Head of Credit Employment Type: Full-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