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About the Role
Underwrite commercial borrowers and equipment finance transactions, prepare credit recommendations, and partner with sales, operations, documentation, and credit leadership throughout the approval process.
Responsibilities
- Underwrite commercial equipment finance transactions by analyzing financial statements, tax returns, cash flow, credit reports, bank information, collateral, guarantor support, and repayment capacity.
- Evaluate equipment loans, finance leases, capital leases, operating leases, sale-leaseback transactions, vendor finance programs, and other commercial equipment finance structures.
- Assess equipment values, collateral quality, advance rates, proposed terms, transaction structure, industry conditions, borrower strength, and concentration exposure.
- Identify material credit risks, policy exceptions, documentation concerns, and appropriate structural or financial mitigants.
- Prepare clear, concise, and well-supported credit memoranda and approval recommendations for new transactions, renewals, amendments, and other credit requests.
- Present transactions and respond to questions from senior credit leadership or the credit committee as needed.
- Collaborate with sales, operations, documentation, asset management, and credit leadership to obtain required information and move qualified transactions efficiently through the approval process.
- Maintain complete and accurate credit files, approval conditions, workflow status, and supporting documentation.
- Monitor assigned transactions for adverse trends, emerging risks, missing information, and unresolved approval conditions.
- Communicate credit concerns promptly and exercise sound independent judgment within established policies and approval guidelines.
Requirements
- Three to seven years of direct commercial equipment finance underwriting experience.
- Prior underwriting experience in the equipment finance industry is required.
- Demonstrated experience underwriting commercial equipment loans, leases, or other equipment finance transactions.
- Strong financial statement, cash flow, liquidity, leverage, collateral, and repayment-capacity analysis skills.
- Experience evaluating equipment values, advance rates, transaction terms, guarantor support, and repayment risk.
- Demonstrated ability to prepare concise, accurate, and well-supported credit memoranda and underwriting recommendations.
- Working knowledge of commercial equipment finance structures, collateral considerations, documentation requirements, and credit policies.
- Ability to manage multiple transactions independently, meet service expectations, and escalate complex or higher-risk matters appropriately.
- Strong written and verbal communication skills.
- Ability to work effectively with sales, operations, documentation, asset management, and credit partners.
- Proficiency with Microsoft Excel, Word, and commercial credit or portfolio management systems.
- Ability to work remotely from within the United States during required business hours.
Skills
- Microsoft Excel
- Microsoft Word
- Commercial credit systems
- Portfolio management systems
Location
- Remote
- United States
Work Type
- Remote
- Full-time
Experience Level
- Three to seven years of direct commercial equipment finance underwriting experience
Education Level
- Bachelor’s degree in finance, accounting, economics, business, or a related field is preferred.
- Equivalent direct commercial equipment finance underwriting experience may be considered.
Salary/Compensations
- $90,000–$105,000
About the Company
- Altius Search Group is recruiting for an established national equipment finance company.