Credit Analyst

The Credit Analyst duties include researching and examining credit risks, assessing credit history, and

approving or disapproving extension of credit. May work with accounts receivable department. Bachelor

degree (Accounting/Finance) or equivalent 3+ years of financial experience preferred. Relies on

instructions and pre-established guidelines to perform the functions of the job. Works under immediate

supervision. Primary job functions does require exercising some independent judgment. Reports to

supervisor or manager.

Reports To: Manager, Credit

FLSA Status: Exempt

Key Responsibilities

Decision Making

  • Analyzes and makes decisions on transactions up to their approved authority limits
  • Completes an acceptable amount of transactions on a daily basis
  • Complete and accurate review of new vendors
  • Complete and in-depth knowledge of all Credit Policies & Procedures
  • Clearly communicates credit decisions

Transaction Management

  • Identifies potential fraudulent transactions
  • Complete and accurate review of all fields required by both the Credit Analyst and the Credit Processor
  • Responds to questions on transactions in a timely manner
  • Effective management and usage of the Aspire work queues

Continuing Education & Research

  • Stays up to date on economic changes and cycles
  • Consistently contributes articles / ideas to the entire team

Other Responsibilities

  • Willingness to adjust daily schedule to handle the ebb and flow of transactions
  • Contributes ideas for process enhancements & efficiencies
  • Additional projects and responsibilities as outlined by Supervisor


Required Education and Experience

  • Bachelor’s Degree preferred in Finance / Accounting
  • Five+ years’ experience in credit underwriting positions or related experience in the (equipment)
  • finance industry, preferably with high transaction throughput
  • Proficient in MS Office programs and ability to learn and leverage new technologies and applications
  • Highly organized and very detailed
  • Able to communicate effectively with other departments
  • Bachelor’s degree in Finance/Accounting or equivalent 3 to 5 years related financial experience
  • preferred.


  • Ethical Conduct
  • Organizational Skills
  • Technical Capacity
  • Time Management
  • Thoroughness
  • Ability to prioritize effectively
  • Accuracy

Supervisory Responsibility

This position has no direct supervisory responsibilities.

Work Environment

This job operates in a professional office setting. This role routinely uses standard office equipment such

as computers, phones, and copy machine with scanner, filing cabinets and fax machines.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to

successfully perform the essential functions of this job. The employee is required to talk or hear; may be

necessary to stand, walk, handle, or reach with hands or arms. This is largely a sedentary role; however,

some filing is required, calling for the ability to lift files, open filing cabinets and bend or stand on a stool

as necessary. The team member frequently is required to walk. The team member is occasionally

required to pack and move files or boxes as well as lift and/or move up to 25 pounds. Specific vision

abilities required by this job include close vision, distance vision, peripheral vision and the ability to adjust

focus. Reasonable accommodations may be made to enable individuals with disabilities to perform the

essential functions.

Position Type and Expected Hours of Work

This position may have access to confidential information. Background check is required for this position.

This is a full-time position. Days and hours of Amur Equipment Finance are Monday through Friday, 8:00

a.m. to 5:30 p.m. Flexibility to occasionally stay late to meet business needs.


No travel for this position.

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities,

duties or responsibilities that are required of the employee for this job. Duties, responsibilities and

activities may change at any time with or without notice.