BFC Senior Credit Analyst at Beacon Funding

United States

<div class="row"> <div class="col-12"> <div style="font-size: 18px; color: #004762; font-family: Roboto; font-weight: Bold; margin-bottom: 5px;">Job Description</div> <div style="font-size: 16px; color: #707070; font-family: Roboto; line-height: 21px;"><span class="positionDescription">The Senior Credit Analyst plays a critical role across the full credit lifecycle — from underwriting and structuring individual transactions to managing syndication and funding-partner relationships to advancing the analytical tools and processes that support Beacon's credit decisioning. This role combines the transaction-level judgment of a seasoned underwriter with the data and process orientation of a credit analytics specialist, and may include mentoring or providing working guidance to junior credit analysts as part of day-to-day deal flow..</span></div> <div style="font-size: 16px; color: #707070; font-family: Roboto;">&nbsp;</div> </div> </div> <div class="row"> <div class="col-12"> <div style="font-size: 18px; color: #004762; font-family: Roboto; font-weight: Bold; margin-bottom: 5px;">Job Responsibilities</div> <div style="font-size: 16px; color: #707070; font-family: Roboto;"> <ul> <li>Review, evaluate, and adjudicate a high volume of daily commercial credit submissions, including financial statement analysis, collateral evaluation, and business history review</li> <li>Recommend appropriate risk-based pricing and deal structure; direct, coordinate, and make recommendations for lease approvals</li> <li>Conduct background investigation including bank, finance company, and trade references, and confirmation of revenue sources</li> <li>Identify transactions to be funded via Beacon's portfolio or third-party funding partners, and manage a pipeline of “in credit” transactions in a timely manner</li> <li>Assist in the underwriting of portfolio acquisitions and/or portfolio sales</li> <li>Maintain working familiarity with Beacon's core industry assets and business borrowers</li> <li>Manage and grow relationships with Beacon's syndicate bank and funding partners</li> <li>Negotiate improved financing terms and conditions with syndication and funding partners</li> <li>Identify and establish new syndication bank programs and funding partnerships</li> <li>Assist in the development and ongoing enhancement of corporate credit scoring strategy and credit policy manual</li> <li>Build and maintain dashboards, alerts, and visualization tools (e.g., Tableau) to monitor key credit and portfolio performance indicators</li> <li>Independently research and recommend asset classes, credit tools, systems, and data sources to improve underwriting and support new business generation</li> <li>Analyze credit data and portfolio performance to identify underwriting trends, risks, and opportunities, and translate findings into clearly defined, implementable strategies and rules</li> <li>Maintain credit standards and monitor industry regulations, requirements, trends, and competitor activity to ensure ongoing compliance</li> <li>Present credit analytics findings and recommendations to senior management, and work closely with executives on credit policy and credit decisions</li> <li>Effectively communicate with sales staff to facilitate deal flow, and assist in establishing payment terms and procedures with new vendor referral relationships</li> <li>Collaborate with data analysts and application developers to build, fix, and enhance credit underwriting technology and reporting platforms</li> <li>Foster effective teamwork across credit, sales, accounting, documentation, and collections</li> <li>Provide working guidance and mentorship to junior credit analysts as needed; contribute to a positive, collaborative team environment</li> <li>Participate in project management alongside cross-functional business partners on new initiatives, prioritization, and delivery</li> </ul> </div> </div> </div> <div class="row"> <div class="col-12"> <div style="font-size: 18px; color: #004762; font-family: Roboto; font-weight: Bold; margin-bottom: 5px;">Job Requirements</div> <div style="font-size: 16px; color: #707070; font-family: Roboto;"> <ul> <li>Bachelor's degree in finance, business, or a related field</li> <li>5+ years of combined experience in credit underwriting, portfolio management, and/or credit analytics, ideally with a bank, finance company, or leasing company</li> <li>Business and/or four (4) year college degree is preferred</li> <li>Experience with small-ticket, construction, and/or commercial vehicle equipment finance is a plus</li> <li>Advanced knowledge of loans, leasing, credit analysis, underwriting, and deal structuring</li> <li>Strong analytical skills with the ability to identify risks, trends, and opportunities from data, and translate analysis into actionable strategy</li> <li>Proficiency with data visualization and reporting tools (e.g., Tableau) and strong general computer skills</li> <li>Strong interpersonal, negotiation, leadership, and verbal/written communication skills; comfortable engaging with senior management</li> <li>Proactive self-starter with a positive, can-do attitude and sound organizational and time-management skills</li> </ul> </div> </div> </div> <div class="row"> <div class="col-12"> <div style="font-size: 18px; color: #004762; font-family: Roboto; font-weight: Bold; margin-bottom: 5px;">Benefits</div> <div style="font-size: 16px; color: #707070; font-family: Roboto;"> <ul> <li>Competitive base salary plus bonus opportunity</li> <li>Flextime earned for additional hours worked over 8 hour days</li> <li>401(K) Matching Plan</li> <li>Company Profit Sharing Plan</li> <li>Medical, dental &amp; vision insurance (UnitedHealthcare medical plan)</li> <li>14 Days off beginning after 30 days of employment</li> <li>Employer that is a recognized market leader in the use of credit and underwriting technology</li> </ul> </div> </div> </div>