Senior Credit Analyst

Dext Capital

  • Lake Oswego, Oregon
  • 30+ days ago

    Highlights

    Independently analyze and underwrite complex, large‑ticket credit transactions, including detailed review of income statements, balance sheets, cash flow statements, and risk factors. 5+ years large ticket underwriting experience within the Equipment Finance Industry with demonstrated experience underwriting complex, structured transactions.

    Numbers & Facts

    LocationLake Oswego, Oregon

    Description

    Job Duties/Responsibilities:

    • Independently analyze and underwrite complex, large‑ticket credit transactions, including detailed review of income statements, balance sheets, cash flow statements, and risk factors.
    • Develop comprehensive credit recommendations and structures that appropriately balance growth objectives with risk mitigation and credit policy adherence.
    • Prepare clear, well‑reasoned credit write‑ups and formal presentations for transactions involving sophisticated borrowers, complex ownership structures, and non‑standard program features, for review by senior management.
    • Serve as a trusted credit partner to Business Development, providing guidance on deal structuring, risk considerations, and feasibility throughout the origination process.
    • Exercise sound credit judgment on complex transactions with limited supervision
    • Support portfolio quality and long‑term performance through disciplined underwriting, timely transaction reviews, and ongoing collaboration with internal stakeholders.
    • Partner cross‑functionally with Legal, Operations, Documentation, and other teams to address credit, documentation, and program considerations.
    • Contribute to special credit‑related projects, process improvements, and initiatives supporting the evolution of the Large Ticket department.

    Characteristics:

    • Sound judgment and confidence operating with a high degree of autonomy
    • Detail‑oriented with strong analytical mindset
    • Solutions‑oriented and adaptable in complex or ambiguous situations
    • Strong alignment with a team‑based, performance‑driven culture

    Experience Requirements:

    • Bachelors degree in Business, Finance or related field
    • 5+ years large ticket underwriting experience within the Equipment Finance Industry with demonstrated experience underwriting complex, structured transactions
    • Ability to independently evaluate risk, interpret financial data, and make well‑supported credit recommendations.
    • Advanced written and verbal communication skills, with a strong ability to articulate credit rationale.
    • Strong organizational, analytical, and problem‑solving skills in a fast‑paced, high‑growth environment.
    • Strong organizational, analytical, problem solving, and communication skills.
    • Proven ability to collaborate effectively across departments while maintaining accountability for individual deliverables.
    • High level of professionalism, discretion, and commitment to maintaining confidentiality of sensitive information.
    • Proficiency with Microsoft Office, particularly Excel and Word; experience producing formal credit memoranda and presentations.

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