Frederick Fox

Credit Analyst III – Commercial Equipment Finance Industry: Specialty Commercial Lending &amp; Transportation Equipment FinanceCompensation: $96,000 – $111,000+ Base Salary + Comprehensive Benefits The OpportunityOur client is a well-capitalized, market-leading independent commercial finance institution managing a portfolio exceeding $1 billion in specialized assets across all 50 states, Puerto Rico, and Canada. Recognized across the specialty lending industry for stability, deep collateral acumen, and rapid deal execution, they are expanding their credit operations to support record origination volume. On their behalf, we are conducting a confidential search for a Credit Analyst III. This role is built for an experienced commercial credit underwriter who wants true autonomy—evaluating complex, high-impact transactions with meaningful individual lending authority ($750K), direct collaboration with commercial originators, and a visible voice in credit policy and junior analyst mentorship. Key Responsibilities<ul style="margin:0px;padding-left:40px;">
<li style="line-height:1.2;font-family:Arial;font-size:14px;color:rgb(0, 0, 0);margin:0px;">
Lead Complex Underwriting: Independently analyze commercial credit packages for mid-ticket equipment transactions using business and personal tax returns, financial statements, cash flow modeling, and guarantor strength.</li>
<li style="line-height:1.2;font-family:Arial;font-size:14px;color:rgb(0, 0, 0);margin:0px;">
Exercise Autonomous Credit Authority: Hold and deploy individual approval authority up to $750,000, structuring policy exceptions, workarounds, and creative transaction frameworks.</li>
<li style="line-height:1.2;font-family:Arial;font-size:14px;color:rgb(0, 0, 0);margin:0px;">
Partner with Originations: Act as a commercial credit partner to Sales, helping close profitable transactions while preserving disciplined portfolio risk standards.</li>
<li style="line-height:1.2;font-family:Arial;font-size:14px;color:rgb(0, 0, 0);margin:0px;">
Evaluate Collateral &amp; Market Dynamics: Assess asset liquidation values, equipment life cycles, and market exposure across the commercial transportation sector.</li>
<li style="line-height:1.2;font-family:Arial;font-size:14px;color:rgb(0, 0, 0);margin:0px;">
Mentor &amp; Elevate: Guide, train, and develop junior credit analysts on financial spreading, underwriting rationale, and structured risk assessment.</li>
<li style="line-height:1.2;font-family:Arial;font-size:14px;color:rgb(0, 0, 0);margin:0px;">
Drive Strategic Initiatives: Contribute to portfolio risk management, underwriting policy refinement, and special analytical projects directly supporting credit leadership.</li>
</ul> Candidate Profile<ul style="margin:0px;padding-left:40px;">
<li style="line-height:1.2;font-family:Arial;font-size:14px;color:rgb(0, 0, 0);margin:0px;">
Experience: 4+ years of dedicated commercial credit underwriting, equipment leasing, or specialty finance experience.</li>
<li style="line-height:1.2;font-family:Arial;font-size:14px;color:rgb(0, 0, 0);margin:0px;">
Lending Autonomy: Experience operating with individual credit approval authority and a proven history of underwriting complex, exception-based credit requests.</li>
<li style="line-height:1.2;font-family:Arial;font-size:14px;color:rgb(0, 0, 0);margin:0px;">
Financial Mastery: Advanced financial statement analysis, debt service coverage modeling, and Excel capabilities; adept at evaluating owner-dependent businesses and limited disclosure packages.</li>
<li style="line-height:1.2;font-family:Arial;font-size:14px;color:rgb(0, 0, 0);margin:0px;">
Education: Bachelor’s degree in Finance, Accounting, Economics, or Business required; advanced credentials (MBA, CLFP) are a distinct plus.</li>
<li style="line-height:1.2;font-family:Arial;font-size:14px;color:rgb(0, 0, 0);margin:0px;">
Asset Exposure: Prior exposure to commercial transportation equipment or titled mobile collateral is preferred but not required.</li>
<li style="line-height:1.2;font-family:Arial;font-size:14px;color:rgb(0, 0, 0);margin:0px;">
Communication &amp; Presence: Ability to articulate complex risk factors succinctly to commercial teams, leadership, and external partners.</li>
</ul> Total Rewards &amp; Value Proposition<ul style="margin:0px;padding-left:40px;">
<li style="line-height:1.2;font-family:Arial;font-size:14px;color:rgb(0, 0, 0);margin:0px;">
Competitive Compensation: $96,000 – $111,000+ base salary, calibrated to relevant deal experience and depth of credit authority.</li>
<li style="line-height:1.2;font-family:Arial;font-size:14px;color:rgb(0, 0, 0);margin:0px;">
Immediate 401(k) Match: Day-one company matching funds beginning with your very first contribution.</li>
<li style="line-height:1.2;font-family:Arial;font-size:14px;color:rgb(0, 0, 0);margin:0px;">
Comprehensive Health Coverage: High-tier medical, dental, and vision insurance options, complemented by HSA/FSA plans.</li>
<li style="line-height:1.2;font-family:Arial;font-size:14px;color:rgb(0, 0, 0);margin:0px;">
Income Protection &amp; Wellness: Employer-paid life and disability coverage, generous PTO, dedicated sick leave, and standard company-paid holidays.</li>
<li style="line-height:1.2;font-family:Arial;font-size:14px;color:rgb(0, 0, 0);margin:0px;">
Unique Perks: Employee vehicle discount purchasing program and ongoing career advancement pathways within a nationally recognized commercial finance leader.</li>
</ul>

Credit Analyst III – Commercial Equipment Finance

Industry: Specialty Commercial Lending & Transportation Equipment
Finance

Compensation: $96,000 – $111,000+ Base Salary + Comprehensive
Benefits

The Opportunity

Our client is a well-capitalized, market-leading independent
commercial finance institution managing a portfolio exceeding $1
billion in specialized assets across all 50 states, Puerto Rico,
and Canada. Recognized across the specialty lending industry for
stability, deep collateral acumen, and rapid deal execution, they
are expanding their credit operations to support record
origination volume.

On their behalf, we are conducting a confidential search for a
Credit Analyst III. This role is built for an experienced
commercial credit underwriter who wants true autonomy—evaluating
complex, high-impact transactions with meaningful individual
lending authority ($750K), direct collaboration with commercial
originators, and a visible voice in credit policy and junior
analyst mentorship.

Key Responsibilities

* Lead Complex Underwriting: Independently analyze commercial
credit packages for mid-ticket equipment transactions using
business and personal tax returns, financial statements, cash
flow modeling, and guarantor strength.
* Exercise Autonomous Credit Authority: Hold and deploy
individual approval authority up to $750,000, structuring policy
exceptions, workarounds, and creative transaction frameworks.
* Partner with Originations: Act as a commercial credit partner
to Sales, helping close profitable transactions while preserving
disciplined portfolio risk standards.
* Evaluate Collateral & Market Dynamics: Assess asset liquidation
values, equipment life cycles, and market exposure across the
commercial transportation sector.
* Mentor & Elevate: Guide, train, and develop junior credit
analysts on financial spreading, underwriting rationale, and
structured risk assessment.
* Drive Strategic Initiatives: Contribute to portfolio risk
management, underwriting policy refinement, and special
analytical projects directly supporting credit leadership.

Candidate Profile

* Experience: 4+ years of dedicated commercial credit
underwriting, equipment leasing, or specialty finance experience.
* Lending Autonomy: Experience operating with individual credit
approval authority and a proven history of underwriting complex,
exception-based credit requests.
* Financial Mastery: Advanced financial statement analysis, debt
service coverage modeling, and Excel capabilities; adept at
evaluating owner-dependent businesses and limited disclosure
packages.
* Education: Bachelor’s degree in Finance, Accounting, Economics,
or Business required; advanced credentials (MBA, CLFP) are a
distinct plus.
* Asset Exposure: Prior exposure to commercial transportation
equipment or titled mobile collateral is preferred but not
required.
* Communication & Presence: Ability to articulate complex risk
factors succinctly to commercial teams, leadership, and external
partners.

Total Rewards & Value Proposition

* Competitive Compensation: $96,000 – $111,000+ base salary,
calibrated to relevant deal experience and depth of credit
authority.
* Immediate 401(k) Match: Day-one company matching funds
beginning with your very first contribution.
* Comprehensive Health Coverage: High-tier medical, dental, and
vision insurance options, complemented by HSA/FSA plans.
* Income Protection & Wellness: Employer-paid life and disability
coverage, generous PTO, dedicated sick leave, and standard
company-paid holidays.
* Unique Perks: Employee vehicle discount purchasing program and
ongoing career advancement pathways within a nationally
recognized commercial finance leader.

Credit Analyst III

About the role

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