Senior Credit Analyst

Senior Credit Analyst Equipment Lending

Location: Burlington, NJ Schedule: Hybrid In-office Wednesday and Thursday;remote the remainder of the week Compensation: $115, 000 $130, 000+ base salary, depending on experience, plus 15% bonus Job Type: Full-Time Job ID: 34747

ABOUT THE ROLE

Our client, a leading equipment financing organization, is seeking an experienced Senior Credit Analyst Equipment Lending to join its growing credit team in Burlington, NJ.

This individual will be responsible for underwriting and decisioning complex commercial credit transactions, generally $500K and above, across a variety of industries, including construction, industrial, and material handling equipment. The role will also support larger credit facilities of up to $10MM, including annual credit line reviews and ongoing portfolio monitoring.

The ideal candidate has strong equipment finance underwriting experience, sound financial analysis skills, and the ability to make independent credit decisions in a fast-paced, high-volume environment. This person will also serve as a resource and mentor to junior members of the credit team.

RESPONSIBILITIES

• Underwrite and decision complex equipment finance transactions, typically $500K and above.
• Analyze commercial credit applications, financial statements, tax returns, credit reports, and other supporting documentation to assess risk and repayment ability.
• Evaluate transactions across construction, industrial, material handling, and other hard asset equipment sectors.
• Structure and recommend credit approvals, including larger credit facilities of up to $10MM.
• Conduct annual credit line reviews and monitor existing customer relationships.
• Negotiate and structure complex or challenging credits while balancing risk and business objectives.
• Partner with sales, originations, and internal credit teams to facilitate timely decisions and resolve outstanding credit requests.
• Provide guidance, training, and mentorship to junior credit analysts.
• Maintain accurate credit documentation and ensure decisions align with established risk management guidelines.
• Support high-risk and broker-originated transactions as needed.
• Assist with credit scoring model enhancements and process improvements.

QUALIFICATIONS

• Bachelor's degree in Finance, Business, or a related field, or equivalent experience.
• 5+ years of experience in commercial credit underwriting or equipment finance.
• Demonstrated experience independently underwriting and decisioning equipment lease and loan transactions.
• Strong financial statement spreading, cash flow analysis, and credit risk assessment skills.
• Experience with larger commercial transactions and credit facilities preferred.
• Background in construction, industrial, material handling, or other hard asset financing strongly preferred.
• Experience with inventory finance or broker-originated transactions is a plus.
• Strong understanding of credit scoring, risk ratings, and commercial credit reporting resources.
• Excellent communication, negotiation, and relationship-building skills.
• Ability to manage multiple transactions in a high-volume environment while maintaining accuracy and turnaround times.
• Previous experience mentoring or supporting junior credit analysts is preferred.