Credit Analyst
Location: Greensboro, NC
Schedule: Monday–Friday | On-site
Pay Rate: $29 - $36/hourly  
Opportunity: Contract - Hire

About the Opportunity
Our client, a global leader in commercial financing solutions, is seeking a Retail Credit Analyst to join its team in Greensboro, NC. This position offers an exciting opportunity for a credit professional who enjoys evaluating risk, making independent credit decisions, and developing creative financing solutions that support business growth.

The ideal candidate will bring experience in credit underwriting, lending, or financial analysis, along with strong communication, negotiation, and relationship-management skills. This individual must be comfortable making informed decisions in a fast-paced environment, even when working with incomplete information.

Responsibilities

• Analyze, underwrite, structure, approve, or decline commercial loan and lease transactions, primarily ranging from smaller financing requests under $100,000 to transactions up to approximately $300,000.

• Evaluate financial statements, tax returns, cash flow, balance sheets, credit reports, and other financial documentation to assess creditworthiness and lending risk.

• Make independent credit decisions while balancing risk management with business growth opportunities.

• Structure financing transactions by evaluating down payments, loan terms, collateral, guarantor requirements, and other risk mitigation strategies.

• Communicate and negotiate directly with dealers, customers, sales representatives, and internal business partners regarding financing options and credit decisions.

• Develop and maintain strong relationships with external dealers, inside sales teams, and other key stakeholders.

• Manage a high-volume pipeline of credit applications while ensuring timely, accurate, and well-supported decisions.

• Effectively communicate credit approvals, declines, and alternative financing solutions through professional written and verbal communication.

• Ensure compliance with internal credit policies, Know Your Customer (KYC), OFAC, and applicable lending regulations.

• Participate in portfolio reviews, risk assessments, and process improvement initiatives.

Qualifications

• Experience in credit underwriting, lending, risk management, commercial banking, equipment finance, specialty finance, consumer lending, auto finance, or a related financial services environment.

• Strong understanding of credit analysis, financial statements, cash flow, and credit risk evaluation.

• Experience making, recommending, or supporting credit approval and decline decisions.

• Ability to evaluate risk, identify mitigating factors, and structure financing solutions.

• Strong negotiation skills and the ability to confidently communicate credit decisions to internal and external stakeholders.

• Excellent verbal and written communication skills, including professional phone presence and email etiquette.

• Strong decision-making abilities, including the confidence to make sound judgments when complete information is not available.

• Exceptional time management, organization, and multitasking skills in a fast-paced environment.

• Proficiency in Microsoft Office applications, including Excel and Teams.

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field preferred; equivalent relevant experience will also be considered.

Preferred Qualifications

• Experience underwriting commercial loans, equipment financing, or automotive financing transactions.

• Experience evaluating near-prime, non-prime, thin-file, start-up, or challenged-credit applicants.

• Familiarity with Salesforce, Power BI, credit risk analysis platforms, collateral evaluation tools, or financial reporting systems.

• Experience working directly with dealerships, financing partners, or sales teams.

• Demonstrated ability to negotiate financing structures and identify alternative solutions for challenging credit scenarios.

Category Code: JN005

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  SeniorityLevel: Associate