Senior Credit Analyst

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.

Dext Capital is a National, innovative, financial services company headquartered in the Portland Metro area. Dext offers an exceptional culture and countless opportunities for growth and advancement. We are seeking a motivated individual to join us as a Senior Credit Analyst . The ideal Senior Credit Analyst candidate will have demonstrated equipment underwriting experience of large ticket transactions and data evaluation. The ideal candidate is a senior level analyst with at least five years of large ticket equipment underwriting experience with the ability to demonstrate their write up capabilities.