Credit Analyst

Job description

TCS - Credit Analyst – Job Description

TCS Equipment Finance is a leading private equipment financing company in the United States and is among the Top Places to Work in Salt Lake City. TCS provides mid-size to large businesses with national equipment finance solutions to help their business operate more effectively. Our success is a direct result of the strength of our experienced team and their ability to create financial solutions for any situation in front of them. The quality of service and our solution-oriented focus is unparallelled in the industry and we are looking for a talented and motivated Credit Analyst to join our team.

Summary:

TCS is seeking a skilled Credit Analyst to support our continued growth. The ideal candidate is analytical, detail-oriented, and comfortable evaluating diverse commercial credit requests. You’ll work closely with our President, Internal Sales Managers, and external partners to structure, analyze, and approve equipment finance transactions.

What you’ll do:

• Analyze credit applications, financial statements, tax returns, and bank data for businesses nationwide
• Prepare clear, concise written credit memorandums summarizing risks, strengths, and transaction recommendations
• Collaborate with Internal Sales Managers, Funding Partners, Corporate Controllers, Vendors, and Lessees
• Conduct industry and collateral analysis to support credit recommendations
• Evaluate borrower and guarantor financial health, cash flow, leverage, liquidity, and repayment ability
• Assist in structuring equipment leases and loans that meet TCS profitability and risk standards
• Review UCC searches and assist with collateral verification
• Maintain accurate tracking of credit decisions, exposure, and pipeline activity
• Learn and utilize TCS systems, processes, and documentation workflows
• Support ongoing portfolio monitoring, including covenant tracking and annual financial requirements
• Present findings to leadership and participate in credit committee discussions

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The Experience We’re Looking For:

• 2–5 years of commercial credit analysis experience (equipment finance/leasing preferred)
• 4-year college degree in Finance, Accounting, Economics, or related field preferred
• Strong understanding of financial statement analysis and cash flow modeling
• Familiarity with receivables, inventory, and equipment collateral valuation
• Excellent analytical, verbal, and written communication skills
• Keen attention to detail with a high degree of accuracy
• Proven ability to manage multiple transactions and deadlines
• Self-starter who thrives in a fast-paced, relationship-driven environment
• UCC experience a plus

Job Type: Full-time

Benefits:

• Competitive salary plus bonuses.
• Quarterly incentives
• A clear success path within the company. We want you to grow and lead with us.
• Medical, vision, dental benefits
• Promotion Opportunities

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Health insurance
• Paid time off (PTO)
• Vision insurance
• Supplemental Life/Disability insurance available

Schedule:

• 8 hour shift
• Monday to Friday
• Paid holidays

Supplemental Pay:

• Bonus opportunities

Work Location: In person (with flexibility for occasional remote work)

Job Type: Full-time

Pay: $60,000.00 - $75,000.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Vision insurance

Experience:

• Equipment Leasing: 2 years (Preferred)

Ability to Commute:

• Draper, UT 84020 (Required)

Work Location: In person

Salary : $60,000 - $75,000