Credit Analyst - SMG Franchise

GreatAmerica Financial Services is a highly successful entrepreneurial company providing equipment financing to businesses across the United States. Our exemplary customer service, our principle-centered business philosophy and our team-based operating approach are key to our success and growth. Do you want to be challenged every day? Do you want a career that allows you to develop professionally? Do you want to be part of a team and a growing and dynamic company? We Are Looking to Add a Key Member to our Franchise Team! About this position: We are looking to add an experienced Credit Analyst to our team. The Credit Analyst role is responsible for underwriting small-ticket and moderately complex six-figure commercial credit applications with a primary focus on the Franchise industry, including equipment packages, remodel, new build, and acquisition financing scenarios. The individual in this role will assess creditworthiness through review of credit reports, tax returns and/or financial statements as needed, and other relevant data to make independent decisions within their delegated authority or make a recommendation to extend credit based upon their evaluation. Our typical Credit Analyst can work on multiple credit applications each day, depending on complexity. The role provides a broad foundation for risk management within GreatAmerica, supporting career advancement as desired. Our best credit analysts are eager to influence their own development, maintain a “can do” attitude, responds well to challenges, and excel at thinking on their feet while making prudent decisions. Essential Responsibilities Perform direct and thorough investigation and obtain relevant credit information to formulate credit decisions within established risk tolerances and prescribed time frames, providing written analysis and justification for the decision. Review, spread and analyze financial statements and/or tax returns as applicable with emphasis on global cash flow analysis. Utilize credit bureaus and review personal financial statements and/or tax returns as needed to evaluate personal guarantor’s creditworthiness. The primary focus will be within our Franchise vertical but may also support transactions within our other Specialty Markets divisions as needed. To be successful in the Credit Analyst role, you’ll need: A bachelor’s degree with a major or minor in Finance, Accounting, Economics, or related field. Demonstrated interpersonal skills are a must as GreatAmerica takes pride in providing an excellent customer experience during every interaction. Excellent analytical ability, enjoy making independent decisions, and the ability to process information quickly. An understanding of financial statements and tax returns. Experience in Franchise lending required. Sharing rewards is an integral part of our culture. We believe in the value of hard work and reward our employees beyond the paycheck. Our total rewards package is based on eligibility and includes: Financial Benefits Competitive Compensation Monthly Bonuses for Eligible Employees 401(k) and Company Match Annual Profit Sharing Paid Time Off Health, Wellbeing, and Family Planning Benefits Paid Vacation - starting at 80 hours annually for employees in their first year of service. Paid Sick Days - Ten (10) per year with a conversion option for unused time. Ten (10) Paid Holidays per year Gym Reimbursement Health Insurance Dental Insurance Vision Insurance Short-Term and Long Term Disability Company Paid Life Insurance Flexible Spending Accounts (FSA) Health Savings Accounts (HSA) Employee Assistance Program Parental Leave Education and Career Planning Benefits Tuition Assistance Networking Opportunities Leadership Development Opportunities Perks Paid Parking Service Awards Hybrid work arrangements Business casual environment A strong organizational culture focused on our greatest asset: you! If your experience aligns closely, please apply. We value diverse backgrounds and adding new perspectives. We encourage you to apply if you can make a strong impact in this role at www.greatamerica.com/careers. Please note, applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment visa. GreatAmerica is the largest independent, family-owned national commercial equipment finance companies in the U.S. and is dedicated to helping manufactures, vendors, and dealers be more successful and keep their customers for a lifetime. With a focus on the small ticket vendor and OEM finance channel we have partnered with some of the largest and industry leading companies in the Office Equipment, Communications, IT, Automotive, Construction, Healthcare, and Franchise market sectors. In addition to financing, GreatAmerica offers innovative non-financial services to help our customers grow. At GreatAmerica we enjoy the benefits of being independent and family-owned, fostering quick decision making, customer response and innovation. Established in 1992 our team has grown to over 650 employees and a portfolio of over $2.5 Billion. Our exemplary customer service, principle-centered business philosophy and team-based operating approach are key to our success and growth. With a strong balance sheet and consistent financial performance through all economic cycles, GreatAmerica has experienced amazing results and unparalleled growth. When you are part of the GreatAmerica team, you will grow professionally and work with some of the most talented finance professionals in the industry. There is no doubt in our minds we are building the greatest company of its kind, offering the finest products and services available anywhere. When you are part of the GreatAmerica team, you are part of the future, part of an opportunity to grow professionally and to reach your potential while enjoying your work.