The primary responsibility of the Senior Credit Analyst entails underwriting equipment loan or lease requests across a variety of industries and equipment types, as well as decisioning applications resulting in up to $175K total Customer-specific exposure.  The Senior Credit Analyst will also assist Underwriters with higher approval authorities underwrite larger Exposures by performing financial, business, asset and industry due diligence.  Once the Senior Credit Analyst has gained a detailed understanding of AmurEF Customers’ credit profile and go-to-market strategy (usually within 90 days of hiring) he/she will be expected to take on business development projects in parallel with his/her underwriting responsibilities.

Responsibilities:
Qualitative: assess the Customer’s competitive position, business and operating model, management and ownership depth, key strengths         and weaknesses vs. industry trends, etc.
Financial: analyze financial trends, cost structure, financial ratios, performance outliers, etc.
Equipment: compare financing request with equipment market price, depreciation trends, remarketing costs, etc.
Structural: develop transaction terms and structures that mitigate the identified credit risks and ensure that the transaction documentation properly reflects the credit approval parameters.

In his/her business development role, the Senior Credit Analyst will execute and manage of variety of projects to develop AmurEF’s market reach, capabilities and profitability through a combination of agreed-upon objectives or self-started initiatives based upon the Senior Credit Analyst’s own desire to leverage his/her interests and skills to foster company-wide objectives.  An initial set of agreed-upon projects include:

Seamlessly integrate restructuring and modification requests from the Collection Department into the standard underwriting process for new applications.
Work with all of AmurEF’s Origination channels to develop, monitor and manage Approved Vendor Programs (customized and programmatic internal underwriting and closing processes for high-volume vendors).
Perform regular Internal Audits and Quality Control checks on Credit Approvals, including compliance with Credit Policies, accuracy of Equipment and Customer classifications, proper documentation of due diligence performed and adherence of Contract Documents to Credit Approval terms.
Investigate and respond to other Departments’ feedback on Credit underwriting and decisioning actions; propose process and policy enhancements as a result.
Develop specific underwriting criteria for AmurEF’s most common Customer types and integrate them with the internal proprietary risk- based pricing model.
Identify Customer and transaction types suitable for automated credit decisioning; develop, test and monitor related score cards and decisioning automation system.
In cooperation with other Departments (e.g., Collections, Finance and IT), design and implement Decision Support Systems involving internal and external data to improve accuracy, consistency and expediency of Credit decisioning.

Required Education and Experience
Recommended time frame of 3+ years in commercial equipment Credit Underwriting in an equipment finance environment.
Bachelor’s degree in Finance, Business, Economics or Accounting preferred.
Excellent computer skills with proficiency in Microsoft Office applications.
Familiarity with AmurEF software platforms a plus (e.g., Salesforce.com, LTi software, SSRS).
Capable of supporting our Mission Statement, Vision and Core Values.

Competitive salary, health insurance, 401K, life Insurance, paid vacation, sick and holidays. EOE