Role Overview
As a Credit Analyst, you will assess equipment financing applications primarily through a digital platform, applying established credit guidelines to determine approval or denial. Your work directly supports responsible lending practices by evaluating both financial metrics and qualitative factors to form well-rounded credit decisions.
Key Responsibilities
- Evaluate transactions in line with defined credit policies, ensuring decisions support portfolio health and business goals.
- Apply a comprehensive approach to decisioning, combining traditional credit data with behavioral and contextual insights.
- Maintain consistent daily output to keep application flow steady, even during high-volume periods.
- Identify patterns or anomalies in application trends and recommend updates to credit policies when appropriate.
- Review and authorize vendor partners to ensure compliance with program standards.
- Detect signs of potential fraud in applications or vendor activity and initiate internal follow-up procedures.
- Support team members in resolving complex underwriting cases that fall outside standard criteria.
- Respond to decision appeals with clear, objective explanations of how policies were applied.
- Uphold a high standard of accuracy, professionalism, and ethical judgment in all activities.
Qualifications
A High School Diploma is required. A bachelor’s degree in Business, Finance, Accounting, or a related field is preferred. Prior experience in credit underwriting, transaction processing, or data management is highly valued. Familiarity with internal credit workflows and risk assessment procedures is an asset.
Strong organizational and time management abilities are essential, as is the capacity to manage shifting priorities in a fast-paced environment. Excellent written and verbal communication skills are necessary for clear documentation and cross-team collaboration. Candidates must demonstrate integrity, accountability, initiative, and meticulous attention to detail.
Work Environment
This position operates fully remotely, with no requirement to be located near any specific office. Occasional travel may be needed for training or interoffice visits outside the Grand Island region.
