Credit Analyst II - Small Ticket

This is an in-office position that can be in West Fargo, ND, Chander, AZ, Marshall, MN or Devils Lake, ND. Standard office hours are 8:00 a.m. – 5:00 p.m. CST, Monday – Friday 

At Western, “what” you know is important, but not as important as how you relate to teammates and customers. Our environment is based on the principles of respect, curiosity, creativity, individual empowerment, and the ability to listen effectively and communicate openly. We also believe in continual learning, bias toward action, keeping commitments, and doing our absolute best every day. We believe that our ability to deliver on our promise is a result of these high standards. 

The Credit Analyst II is responsible for working with the Credit Department and Sales Department to evaluate and underwrite small-ticket transactions. This position is responsible for reviewing and analyzing customer credit information, making credit decisions within assigned credit authority, and consistent with the organization's vision, core values, and team guidelines.

Underwriting 

Investigate, evaluate and underwrite small-ticket transactions in accordance with credit policies and guidelines, program structure, and delegated credit authority. Evaluate commercial and consumer credit reports, analyze tax returns and financial statements, and review other sources to determine the customers' credit capacity. Professionally communicate decisions to Business Development Managers and vendors.

Relationship Maintenance

Work closely across departments to develop, structure, and document commercial transactions. Perform limited Annual Reviews on existing customer relationships. Oversee modifications or changes within a credit profile. Contribute to review of Vendor Profiles. Support of administrative contracts. Aid with development, refinement, and maintenance of department processes and reporting.

Exception Resolution

Research in resolving technical exceptions to credit policy determined by both internal and external parties.

Special Projects

Assist with special projects. Special projects will vary based on workload, organizational priorities, and identified initiatives.

Requirements:

Bachelor’s Degree in Business Administration, Finance, or Business Management required with 3 years of credit analysis/underwriting experience in a commercial lending capacity environment with specialty equipment finance and/or C&I lending experience. Formal credit training is beneficial. Requires 3 years of credit underwriting experience with strong proficiency in analyzing and interpreting both personal and commercial credit reports to assess creditworthiness and risk. 

This is a full-time position with benefits.

Starting Salary Range: $52,000.00 - $78,000.00 per year. This is an exempt, salaried position. Note: This range represents our good-faith estimate for the position at the time of posting. Actual compensation will depend on factors such as skills, experience, and qualifications.

Benefits and Other Compensation: 

As part of your employment with Western State Agency, you will be eligible for a comprehensive benefits package, which includes:

• Health Benefits: Medical, dental, and vision insurance
• Retirement Benefits: 401 (k), ESOP participation
• Paid Time Off (PTO): PTO, sick leave, and paid holidays
• Other Benefits: Any other benefits offered, such as life insurance, employee assistance programs, professional development opportunities, wellness programs, educational assistance.

We are interested in every qualified candidate who is eligible to work in the United States. However, we are not able to provide sponsorship for visa status. In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification form upon hire.

Western Equipment Finance is an EEO and Affirmative Action Employer.