Credit Analyst III - Equipment Finance

Location: Remote within the United States; Columbus, Ohio is listed.

Company

hirify.global provides commercial lending and credit administration services.

What you will do

• Prepare credit analyses, recommendations, and credit memos for new money requests, renewals, annual reviews, and modifications.
• Analyze financial statements, cash flow, repayment sources, industry risk, loan structure, and market conditions.
• Underwrite complex and higher-exposure equipment finance credits, including collateral coverage and risk controls.
• Evaluate guarantor financial condition using personal financial statements and tax returns.
• Perform covenant testing, maintain credit relationship data, and update covenant compliance records.
• Participate in opportunity memo calls and business calls with lending, credit administration, and other banking teams.

Requirements

• Bachelor’s degree in business administration, accounting, management, finance, or a related discipline.
• 6–8 years of relevant commercial lending or credit administration experience, specifically in equipment finance.
• Ability to analyze complex credits, detailed financial data, borrower cash flow, repayment capacity, and credit risk.
• Knowledge of secured loan documentation, credit structuring, banking regulations, and commercial credit policies.
• Strong computer, business writing, communication, interpersonal, and independent decision-making skills.
• Ability to work remotely from the United States.

Nice to have

• Knowledge of high-net-worth and corporate aircraft transactions.
• Experience lending to a wide variety of industries.

Culture & Benefits

• Full-time employment with an equal opportunity employer.
• Inclusive work environment.
• Professional education and development in loan underwriting, loan structuring, and credit administration.