Senior Credit Analyst

Position Title: Senior Credit Analyst

Location: Brookfield, Wisconsin (On-Site Only)

Reports to: VP of Credit and Finance

Company Overview:

Advantage Financing is a nationwide small business lender based in Brookfield, Wisconsin. Since 1992, we’ve specialized in fast, fair, and flexible business loan solutions ranging from $10,000 to $250,000 for growing companies across a variety of industries. We’re known for our personal service, quick decisions, and long-term customer relationships.

Position Summary:

We are seeking a high-performing Senior Credit Analyst to join our on-site team. This role is ideal for an experienced credit professional who thrives in a faster-paced environment than a traditional bank. You'll underwrite and structure small-ticket business loans, help optimize our credit process and serve as a resource to both junior analysts and the sales team.

This is not a leadership role but does carry responsibility for mentoring others, reviewing more complex applications, and helping to shape our credit scoring and automation efforts.

Key Responsibilities:

• Analyze and underwrite commercial loan applications ranging from $10,000 to $250,000
• Work in a high-volume environment — review ~250 applications per month and help fund ~120–150 loans monthly
• Review, structure, and approve complex or high-exposure transactions; understand how and when to apply exceptions to standard credit guidelines
• Assist in designing and improving credit scoring models and automated underwriting processes
• Regularly update and refine Ideal Customer Profiles on a semi-annual or quarterly basis to reflect current portfolio performance and risk appetite
• Serve as a mentor and technical resource for Credit Analysts, offering guidance on complex deals and best practices
• Collaborate with Account Managers and Sales to clarify credit policy, answer deal-specific questions, and align expectations
• Make independent decisions within delegated authority and elevate higher-risk loans to the VP of Credit and Finance as needed
• Maintain thorough and timely documentation in our internal loan origination and credit systems
• Support reporting and analysis efforts to track credit trends and performance

Ideal Qualifications:

• 5–10 years of commercial lending/credit experience (preferably with a bank or equipment finance company)
• Strong understanding of financial statement analysis, credit reports, and risk-based pricing
• Comfortable with high-volume, quick-turnaround decisioning—this is a faster pace than a typical bank underwriting department
• Experience with UCC filings, secured business lending, and small business borrowers
• Strong communication skills with ability to explain decisions and credit policy to internal teams
• Collaborative mindset and proven mentoring skills
• Familiarity with credit scoring systems, underwriting automation tools, and portfolio management a plus

Compensation:

Base Salary Range:

• $80,000 – $95,000, depending on experience and qualifications

Comprehensive Benefits Include:

• 401(k) with employer match
• Profit Sharing Plan
• Health Insurance (medical, dental, vision)
• Life and Disability Insurance
• Paid Vacation and Holidays
• Stable, long-tenured team with opportunities for professional growth

Why Join Advantage ?

• Join a fast-growing, long-standing lender with a strong reputation for speed and service
• Work on-site with a close-knit team that values accuracy, responsiveness, and personal ownership
• Influence underwriting strategy and process improvements without the red tape of a large institution
• Help support small businesses across the U.S. with accessible, well-structured loan solutions