BFC Senior Credit Analyst

Job Description The Senior Credit Analyst plays a critical role across the full credit lifecycle — from underwriting and structuring individual transactions to managing syndication and funding-partner relationships to advancing the analytical tools and processes that support Beacon's credit decisioning. This role combines the transaction-level judgment of a seasoned underwriter with the data and process orientation of a credit analytics specialist, and may include mentoring or providing working guidance to junior credit analysts as part of day-to-day deal flow.. Job Responsibilities Review, evaluate, and adjudicate a high volume of daily commercial credit submissions, including financial statement analysis, collateral evaluation, and business history review Recommend appropriate risk-based pricing and deal structure; direct, coordinate, and make recommendations for lease approvals Conduct background investigation including bank, finance company, and trade references, and confirmation of revenue sources Identify transactions to be funded via Beacon's portfolio or third-party funding partners, and manage a pipeline of “in credit” transactions in a timely manner Assist in the underwriting of portfolio acquisitions and/or portfolio sales Maintain working familiarity with Beacon's core industry assets and business borrowers Manage and grow relationships with Beacon's syndicate bank and funding partners Negotiate improved financing terms and conditions with syndication and funding partners Identify and establish new syndication bank programs and funding partnerships Assist in the development and ongoing enhancement of corporate credit scoring strategy and credit policy manual Build and maintain dashboards, alerts, and visualization tools (e.g., Tableau) to monitor key credit and portfolio performance indicators Independently research and recommend asset classes, credit tools, systems, and data sources to improve underwriting and support new business generation Analyze credit data and portfolio performance to identify underwriting trends, risks, and opportunities, and translate findings into clearly defined, implementable strategies and rules Maintain credit standards and monitor industry regulations, requirements, trends, and competitor activity to ensure ongoing compliance Present credit analytics findings and recommendations to senior management, and work closely with executives on credit policy and credit decisions Effectively communicate with sales staff to facilitate deal flow, and assist in establishing payment terms and procedures with new vendor referral relationships Collaborate with data analysts and application developers to build, fix, and enhance credit underwriting technology and reporting platforms Foster effective teamwork across credit, sales, accounting, documentation, and collections Provide working guidance and mentorship to junior credit analysts as needed; contribute to a positive, collaborative team environment Participate in project management alongside cross-functional business partners on new initiatives, prioritization, and delivery Job Requirements Bachelor's degree in finance, business, or a related field 5+ years of combined experience in credit underwriting, portfolio management, and/or credit analytics, ideally with a bank, finance company, or leasing company Business and/or four (4) year college degree is preferred Experience with small-ticket, construction, and/or commercial vehicle equipment finance is a plus Advanced knowledge of loans, leasing, credit analysis, underwriting, and deal structuring Strong analytical skills with the ability to identify risks, trends, and opportunities from data, and translate analysis into actionable strategy Proficiency with data visualization and reporting tools (e.g., Tableau) and strong general computer skills Strong interpersonal, negotiation, leadership, and verbal/written communication skills; comfortable engaging with senior management Proactive self-starter with a positive, can-do attitude and sound organizational and time-management skills Benefits Competitive base salary plus bonus opportunity Flextime earned for additional hours worked over 8 hour days 401(K) Matching Plan Company Profit Sharing Plan Medical, dental & vision insurance (UnitedHealthcare medical plan) 14 Days off beginning after 30 days of employment Employer that is a recognized market leader in the use of credit and underwriting technology