Credit Analyst

Job Description

Job Description

Description :

UniFi Equipment Finance

Full Time

In Person

Facilitate the review and approval of equipment financing transactions within assigned authority and in compliance with the various policies at UniFi Equipment Finance. Provide analysis of credit applications to determine appropriate level of detailed investigation and review applications to determine applicants’ credit worthiness.

Essential Duties and Responsibilities

• Perform direct and thorough credit investigations within prescribed time frames using relevant credit information from credit reporting bureaus (Dun & Bradstreet and PayNet), bank statements, trade creditors, and other sources to formulate preliminary credit decisions based on data analysis collected.
• Review, approve or recommend credit of new applicants within established policies, up to assigned limits, and in accordance with co-authority.
• Analyze financial statements, prepare credit write-ups and make recommendations on applications outside of assigned authority. Conduct ratio analysis, cash flow analysis, and industry benchmarking to assess credit risk.
• Maintain portfolio within acceptable delinquency and loss parameters through prudent decision making. Collaborate with underwriting team to structure financing solutions that align with company risk policies and customer needs.
• Communicate credit decisions and rationale effectively to internal stakeholders and external partners.
• Interface with sales, customers, vendors, and other internal staff for appeals processing and when documentation does not match credit requirements.
• Assist in audits and ensure compliance with applicable regulations and internal standards.
• Ensure against overbooking the cost of equipment.
• Assist Sales by building and maintaining relationships with partners.
• Communicate decisions or requests for additional information directly to dealers and / or customers.
• Maintain a credit risk management environment of an acceptable quality using established credit guidelines.
• Assist in developing and maintaining sound, acceptable credit policies / practices.
• Identify, analyze, and monitor delinquent or high-risk accounts and prepare regular report updates of findings to management.
• Participate in internal and external training classes as required to advance authorities.
• Other duties as assigned.

Requirements :

Preferred Qualifications

Knowledge of industry regulations and compliance standards.

Physical Demands and Work Environment

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions.

While performing the duties of this position, the employee is regularly required to talk or hear. The employee frequently is required to use hands or finger, handle, or feel objects, tools or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. At times, there could be periods of work induced stress and extended hours.

The employee must occasionally lift and / or move up to 25 pounds. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The noise level in the work environment is usually moderate.