The senior credit analyst, in a larger exposure underwriting role, has a critically important function to review and process transactions within their authority of $400k and present transactions for total exposures exceeding $400k to senior management across all verticals.

Duties & Responsibilities

  • Review applications for accuracy
  • Obtain & analyze public and private information such as Dun & Bradstreet reports, Paynet reports, Secretary of State corporate name verifications, Safer reports, Credit Bureau reports etc.
  • Call, fax or email for bank and credit references
  • Review and spread financials/tax returns to provide formative analysis regarding performance and trends. Familiarity with Moody’s Financial/Risk Analysis is important to assist with underwriting analysis.
  • Communicate with “clients” (vendors, dealers, brokers, customers etc.) in a professional manner via phone or email
  • Travel, from time to time, to meet with clients
  • Research industries, markets and equipment as necessary
  • Underwrite and decision transactions within credit authority to $400k
  • Underwrite and present transactions that exceed $400k to senior management and credit committee
  • Interact with peers, via phone or email to support company initiatives
  • Performs other related duties as assigned by management


  • 4 year Bachelor’s degree required with a major in finance or management preferred
  • Minimum 5 years of commercial underwriting experience


  • Diversity – Shows respect and sensitivity for cultural differences.
  • Ethics – Treats people with respect.
  • Adaptability – Adapts to changes in the work environment
  • Analytical – Collects and researches data.
  • Attendance/Punctuality – Is consistently at work and on time. Ensures work responsibilities are covered when absent.
  • Customer Service – Responds promptly to customer needs.
  • Dependability – Follows instructions, responds to management direction. Takes responsibility for own actions.
  • Oral Communication – Speaks clearly and persuasively in positive or negative situations.
  • Organizational Support – Follows policies and procedures. Completes administrative tasks correctly and on time.
  • Planning/Organizing – Prioritizes and plans work activities. Uses time efficiently.
  • Problem Solving – Identifies and resolves problems in a timely manner.
  • Professionalism – Approaches others in a tactful manner.
  • Quality – Demonstrates accuracy and thoroughness.
  • Quantity – Completes work in timely manner.
  • Safety and Security – Observes safety and security procedures.
  • Teamwork – Balances team and individual responsibilities.
  • Written Communication – Writes clearly and informatively.

Physical Demands and Work Environment

  • Occasionally required to stand and walk
  • Frequently required to sit
  • Continually required to utilize hand and finger dexterity
  • Frequently required to talk or hear
  • While performing the duties of this job, the noise level in the work environment is usually quiet
  • The employee must occasionally lift and /or move 10 pounds
  • Specific vision abilities required by this job include: Close vision

Reports To: Credit Manager