Apply on Employer Site

Mitsubishi HC Capital America, Inc. · 3 weeks ago

Senior Credit Analyst, Mid Ticket Equipment Finance

Itasca, IL

Full-time

Hybrid

Mid, Senior Level

$76K/yr - $89K/yr

5+ years exp

Mitsubishi HC Capital America is seeking a Senior Credit Analyst to join their dynamic Credit team. This role is pivotal in evaluating and underwriting credit transactions across diverse industries, including healthcare, IT, transportation, and construction, with responsibilities including analyzing financial statements and collaborating with various teams to ensure accurate documentation.

CommercialFinanceFinancial ServicesLending

Hiring Manager

Katy Martone

Responsibilities

Analyze and spread financial statements; apply scoring models and interpret outputs

Underwrite credit transactions within assigned authority; recommend terms for larger exposures

Prepare detailed credit memos aligned with MHCA underwriting criteria

Collaborate with sales, legal, and operations teams to ensure accurate documentation

Engage with vendors to clarify deal details and support sales submissions

Provide mentorship to junior analysts and support training initiatives

Maintain compliance with internal controls, SOX, and regulatory policies

Ensure documentation reflects actual approval and commitment

Support the application-only team as needed to maintain workflow efficiency

Qualification

Financial statement analysisCredit underwritingCredit authorityHealthcare industry experienceIT industry experienceTransportation industry experienceConstruction industry experienceAnalytical skillsCollections backgroundDecision-making skillsCommunication skillsWork independently

Required

Bachelor's degree in Finance, Business, or related field

5+ years of experience in financial statement analysis and credit underwriting

Proven ability to review, understand, and communicate financial statements, and utilize data to risk-rate transactions

Prior credit authority of $1M+ (ideally up to $5M)

Prior single signature approval authority within a risk finance investment environment

Strong analytical, decision-making, and communication skills

Ability to work independently and make decisions within company policy

Preferred

Experience in underwriting healthcare, IT, or franchise lending industries

Industry exposure in healthcare, IT, transportation, or construction

Collections background

Benefits

Top-Tier Health & Insurance: Medical, dental, vision, life & AD&D with low premiums; prescription drug coverage

Financial Security: 40K with immediate vesting and up to 4.5% match; RSP contributions day one; HSA contributions; flexible-spending accounts

Time Off: Competitive vacation time, plus 10 scheduled holidays

Wellness & Lifestyle: Annual fitness reimbursement; virtual fitness membership; Stress management tools; Employee Assistance Program for confidential support and coaching

Professional Growth: Tuition reimbursement after one year; dedicated development budget

Culture: Transparent, collaborative environment with a supportive, family-like team