BFC Senior Credit Analyst

Job Description

The Senior Credit Analyst plays a critical role across the full credit lifecycle — from underwriting and structuring individual transactions to managing syndication and funding-partner relationships to advancing the analytical tools and processes that support Beacon's credit decisioning.

This role combines the transaction-level judgment of a seasoned underwriter with the data and process orientation of a credit analytics specialist, and may include mentoring or providing working guidance to junior credit analysts as part of day-to-day deal flow..

Job Responsibilities

Review, evaluate, and adjudicate a high volume of daily commercial credit submissions, including financial statement analysis, collateral evaluation, and business history review

Recommend appropriate risk-based pricing and deal structure; direct, coordinate, and make recommendations for lease approvals

Conduct background investigation including bank, finance company, and trade references, and confirmation of revenue sources

Identify transactions to be funded via Beacon's portfolio or third-party funding partners, and manage a pipeline of “in credit” transactions in a timely manner

Assist in the underwriting of portfolio acquisitions and/or portfolio sales

Maintain working familiarity with Beacon's core industry assets and business borrowers

Manage and grow relationships with Beacon's syndicate bank and funding partners

Negotiate improved financing terms and conditions with syndication and funding partners

Identify and establish new syndication bank programs and funding partnerships

Assist in the development and ongoing enhancement of corporate credit scoring strategy and credit policy manual

Build and maintain dashboards, alerts, and visualization tools (e.g., Tableau) to monitor key credit and portfolio performance indicators

Independently research and recommend asset classes, credit tools, systems, and data sources to improve underwriting and support new business generation

Analyze credit data and portfolio performance to identify underwriting trends, risks, and opportunities, and translate findings into clearly defined, implementable strategies and rules

Maintain credit standards and monitor industry regulations, requirements, trends, and competitor activity to ensure ongoing compliance

Present credit analytics findings and recommendations to senior management, and work closely with executives on credit policy and credit decisions

Effectively communicate with sales staff to facilitate deal flow, and assist in establishing payment terms and procedures with new vendor referral relationships

Collaborate with data analysts and application developers to build, fix, and enhance credit underwriting technology and reporting platforms

Foster effective teamwork across credit, sales, accounting, documentation, and collections

Provide working guidance and mentorship to junior credit analysts as needed; contribute to a positive, collaborative team environment

Participate in project management alongside cross-functional business partners on new initiatives, prioritization, and delivery

Job Requirements

Bachelor's degree in finance, business, or a related field

5+ years of combined experience in credit underwriting, portfolio management, and/or credit analytics, ideally with a bank, finance company, or leasing company

Business and/or four (4) year college degree is preferred

Experience with small-ticket, construction, and/or commercial vehicle equipment finance is a plus

Advanced knowledge of loans, leasing, credit analysis, underwriting, and deal structuring

Strong analytical skills with the ability to identify risks, trends, and opportunities from data, and translate analysis into actionable strategy

Proficiency with data visualization and reporting tools (e.g., Tableau) and strong general computer skills

Strong interpersonal, negotiation, leadership, and verbal/written communication skills; comfortable engaging with senior management

Proactive self-starter with a positive, can-do attitude and sound organizational and time-management skills

Competitive base salary plus bonus opportunity

Flextime earned for additional hours worked over 8 hour days

401(K) Matching Plan

Company Profit Sharing Plan

Medical, dental & vision insurance (UnitedHealthcare medical plan)

14 Days off beginning after 30 days of employment

Employer that is a recognized market leader in the use of credit and underwriting technology

Originally posted on Himalayas