Sr. Credit Analyst

Job Description:
Processes credit applications up to the assigned level of credit authority and make prudent investment decisions.
Refers investment decisions for transactions above the assigned level of credit authority to proper credit personnel.
Performs credit investigations and gathers routine credit information pertaining to leases and loans.
Contacts banks as needed to gather necessary references for credit investigations.
Searches public records as necessary to obtain investment ratings.
Analyzes financial statements and spreads on larger transaction sizes for 250K-2MM.
Verifies existing customer exposure.
Prepares credit write-ups for larger transactions.
Reviews and approves collateral and vendors supplying equipment to be leased or financed.
Accurately executes credit decisions in the system.
Determines non-standard documentation requirements.
Meets or exceeds credit decision turnaround time standards.
Initiates verbal and written communication with sales department, vendors and originators.
Job Requirements:
BA/BS Degree, preferably in Finance, Economics, Accounting or Math.
Formal credit training preferred.
At least 7+ years of related experience preferred.
Experience underwriting deals within the $250K-$2M range
Equipment Finance/Leasing industry experience a plus.
Good working knowledge of other departments such as Sales, Funding, Asset Management and Collections, and the interaction with the Credit Department.
Good working knowledge of credit and underwriting principles and procedures as well as business concepts.
Excellent underwriting analysis and investment decision-making skills.
Excellent written and verbal communication skills.
Strong organization and attention to detail with a sense of urgency and ability to work in a fast-paced environment.
Excellent ability to work independently but also as a team.
Ability to correctly recognize and refer all pertinent information to persons with higher credit authority.
Posting Title:
Sr. Credit Analyst
Employment Type:
Full Time
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People's United Bank and its subsidiaries are equal opportunity and affirmative action employers EOE-Females/Minorities/Protected Veterans/Individuals with Disabilities. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, veteran status or any other legally protected status.

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