Junior Credit Analyst

Job Summary 

Triad’s Floorplan Division specializes in Commercial Inventory Finance for Retailers of Manufactured Homes. As part of the Commercial Finance Team, the Jr Credit Analyst will work closely with other analysts & the Commercial Credit Manager to underwrite financial performance of new & existing clients, research business experience & industry trends, and craft recommendations for approval. This role is an integral part of the loan origination process; it requires an individual with a basic understanding of commercial finance products, credit risk factors, and financial analysis/underwriting.

As a Junior Analyst, you will work closely with the Commercial Credit Team to: 

• Spread statements to analyze standard financial metrics & trends for credit worthiness.
• Craft approval recommendation memos by writing narratives citing repayment capability, performance trends, and key risks & strengths.
• Manage portfolio of existing clients, processing loan product modifications, increases/decreases to loan commitment, annual reviews & renewals, etc.
• Follow up with clients to collect financial statements and make inquiries on performance as needed.

Ideal Candidate: 

• Four-Year degree or equivalent work experience (Finance, Accounting, Economics, other business major) required.
• Risk Management Certification (RMA, CRM, etc.) or similar related experience is ideal.
• Ability to read standard financial statements and communicate cash flows and changes in performance.
• Ability to independently gather, consolidate, analyze, and summarize data into a written narrative.
• Receptive to initial training on loan products, calculations, and general analysis.
• Extreme attention to detail is imperative, in addition to organizational, clerical, and written language skills.

Job Type: Full-time

Salary: Based on education & experience

Benefits Included

Triad Financial Services (TFS) is one of the oldest and most trusted lenders in the manufactured home industry with over 50 years of lending experience. TFS expects rapid growth in commercial and retail finance which will create opportunities for advancement. Our goal at TFS is to be the friendliest, hardest working, service-oriented company in the business. TFS is headquartered in Jacksonville, FL.