Credit Analyst II at Transwest Trucks

Zuni, Colorado, United States -

Full Time

Start Date

Immediate

Expiry Date

06 Aug, 26

Salary

95000.0

Posted On

08 May, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Analysis, Underwriting, Financial Spreading, Risk Assessment, Cash Flow Analysis, Collateral Evaluation, Excel, Credit Judgment, Financial Statement Analysis, Equipment Finance, Communication, Problem Solving

Industry

Transportation/Trucking/Railroad

Description

Description Are you someone who thrives in a fast-paced working environment where you have a direct impact on the growth of the business and work with autonomy? Trans Lease is looking for a Credit Analyst II to join our team that will bring an analytical approach to problem solving with them. This role requires sound credit judgment, the ability to evaluate owner-dependent credits, and direct support of originations to ensure timely deal execution. The ideal candidate will have a strong work ethic, attention to detail, and the ability to effectively communicate your recommendations to staff across the organization. Trans Lease, Inc. was founded in 1993 and is an independent finance company that specializes in Commercial Transportation Equipment. Located in the greater Denver area, we have a portfolio of over $1B in managed assets and do business in all fifty states, Puerto Rico and Canada. WE OFFER A FULL BENEFITS PACKAGE FOR ELIGIBLE EMPLOYEES INCLUDING: Medical, Dental, and Vision Insurance Life (Voluntary and Employer Paid) and Disability Insurance 401(K) with company match beginning with your first contribution. HSA and/or FSA, as applicable Paid Time Off, Sick Time, and Company Paid Holidays Employee Car Discount Program ESSENTIAL DUTIES & RESPONSIBILITIES: Independently analyze and underwrite credit applications using PFS, limited business financials, tax returns, and credit bureaus. Evaluate borrower strength, guarantor support, and cash flow sufficiency. Assess collateral and residual risk specific to financed equipment. Approve transactions within delegated authority and escalate exceptions as needed. Communicate credit decisions and conditions and be available for direct communication with customers via phone, email or in person (as required). Monitor adherence to credit policy and identify emerging risks. Assist with training and guidance of Credit Analyst I staff. Take on stretch projects to improve the processes in place. Complete back-testing and maintain a 85% accuracy. Process approvals with authority up to $500,000. Authority to condition, decline or restructure transactions. Other duties as assigned by manager. Requirements WORK ENVIRONMENT & PHYSICAL ABILITIES: Requires frequent sitting, standing, balancing, bending or stooping for prolonged periods of time. Requires eye-hand coordination and manual dexterity sufficient to operate a keyboard, photocopier, telephone, calculator and other office equipment. Ability to communicate by providing verbal feedback in a professional manner. Ability to receive and analyze data and input into the computer. Normal range of hearing and vision. REQUIRED EDUCATION, EXPERIENCE, KNOWLEDGE & SKILLS: Bachelor’s degree in Finance, Accounting, Economics, or related field. 2-4 years of experience in credit analysis or underwriting experience. Strong judgement in evaluating limited financial disclosure. Ability to manage multiple deals concurrently. Proficiency in Excel and financial spreading tools. Ability to work in a fast-paced, deadline-driven environment Valid Driver's License with good standing MVR. Ability to successfully complete a General Abilities Assessment and pass a post offer background check, physical and drug screening. PREFERRED EDUCATION, EXPERIENCE, KNOWLEDGE & SKILLS: Experience with equipment finance, leasing, or specialty lending preferred. JOB DETAILS: Type: Salary Compensation Range: $80,000 - $95,000 Reports To: Credit Manager Closing Date: When Filled #TL

Responsibilities

Independently analyze and underwrite credit applications for commercial transportation equipment, evaluating borrower strength and collateral risk. The role involves approving transactions up to $500,000 and providing guidance to junior credit analysts.