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Credit Analyst in Fort Collins, CO at Aston Carter

Posted: 11/8/2019

Job Snapshot

  • Employee Type:
    Contract to Hire
  • Posting ID:
    7003800
  • Pay Rate
    N/A

Job Summary



Credit Analyst - Fort Collins



Job Description:

* Underwrite and determine credit decision of all lease and loan transactions, in compliance with all applicable state and federal regulations, and which conform to organizational credit guidelines, policies and procedures.

* Analyze consumer and commercial credit reports, with the guidance of a credit scoring matrix, to render consistent and appropriate credit decisions within time constraints.

* Review year end and interim financial results for commercial applicants on higher ticket size transactions to predict future cash flows within the context of rendering a credit decision.

* Conduct thorough due diligence procedures to substantiate a lessee's business operations, and confirm additional information pertinent to the lease financing request presented within the credit application packages.

* Review and approve vendors / equipment dealers and manufactures for funding.

* Generate financial ratios, using MS Excel to evaluate a commercial applicant's most current financial status.

* Negotiate terms and conditions of credit decisions within established approval/exception guidelines, leveraging risk versus reward, to ensure credit quality and profitability. Make exceptions to normal guidelines when necessary.

* Communicate with broker partners to present credit decisions and negotiate terms of lease transactions.

* Maintain current knowledge and expertise of all applicable state and federal regulations.

* Provide excellent customer service at all points of customer contact, internally and externally.



* Actively participate in regularly scheduled staff meetings to communicate/share trends, policy & procedures, goals, updates, and other pertinent information with staff and managers.

* Other duties and special projects as assigned.



Qualifications:

* Bachelor's degree in business, accounting, finance or related area, with a minimum of two to three (2-3) years of credit and financial analysis preferred.

* Proficient knowledge and understanding of applicable state and federal regulations (i.e. HIPAA guidelines, FDCPA and FCRA regulations, credit approval process, etc.).

* Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.

* Strong analytical, critical thinking, problem solving and decision making skills.

* Ability to comprehend and interpret commercial and consumer credit rating information. In particular, intimate knowledge of information reported by commercial and consumer credit reporting agencies.

* Ability to effectively underwrite lease transactions which conform to the organizational guidelines, by developing intimate knowledge of organization's lease programs, guidelines, and credit standards.

* Competence in understanding the organization's level of risk tolerance as a basis for evaluating and decisioning credit applications.

* Ability to read, analyze, and interpret financial reports, and legal documents.

* Ability to define problems, collect data, establish facts, and draw valid conclusions.

* Working knowledge of collateral instruments (i.e. letter of credit, UCC filings, personal/corporate guarantees, etc.).

* Intermediate skills with PC based accounting programs and financial analysis software (i.e. MS Excel).

* Excellent time management skills. Must be detailed oriented.

* Excellent written and verbal communication skills.

* Ability to work effectively in a team environment with staff, legal support and management.

* Strong internal and external communication skills.

* Ability to work effectively in a diverse workforce.







About Aston Carter:

Aston Carter is a distinguished global provider of recruitment and staffing services to companies requiring highly specialized business professionals. As a Best of Staffing® Client and Talent leader, Aston Carter has an unrivaled commitment to delivering first class service to clients and business professionals across a variety of disciplines, including Accounting and Finance as well as Governance, Risk and Compliance. With more than 60 offices across Europe, Asia Pacific and North America, Aston Carter provides local, regional and global expertise to drive value and meet our customers' unique needs. Aston Carter is a division of Aerotek. Aerotek is an operating company of Allegis Group, a global talent solutions provider.

Contact Information

Name:
Haley Harriman
Phone:
3038766867