Trans Lease is looking for a Credit Analyst III to join our growing team.
This is an opportunity for experienced credit professional ready to independently evaluate complex equipment finance transactions. You'll work closely with Sales and other teams to evaluate credit risk, support customer relationships, and help drive sound and timely lending decisions.
Trans Lease, Inc. is an independent finance company specializing in commercial transportation equipment with more than $1 billion in managed assets and business throughout all 50 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:
- Analyze and underwrite commercial credit applications using financial statements, tax returns, credit bureaus, personal financial statements, and other relevant information.
- Evaluate borrower strength, cash flow, guarantor support, collateral, equipment values, and overall transaction risk.
- Determine risk and provide clear, well-supported credit recommendations and decisions.
- Approve, condition, decline, restructure, or escalate transactions within established authority, as applicable.
- Work closely with Sales to support originations, manage customer relationships, and provide timely deal execution.
- Develop strong knowledge of the commercial transportation and equipment finance industries.
- Monitor customer financial performance, credit exposure, and emerging portfolio risks.
- Manage multiple transactions while maintaining efficient turnaround times.
- Support funding activities, including pricing and funding packages, as needed.
- Participate in credit process improvements, special projects, and back-testing.
- Provide mentoring, training, and guidance to other Credit Analysts, as applicable.
- Contribute to credit policy, underwriting standards, and portfolio risk management at the senior level.
- Other duties as assigned.
