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Channel Partners Capital Equipment Finance Group

Senior Credit Analyst
Location: Minnetonka, MN

Company Summary

Based in Minnetonka, MN, Channel Partners Capital is a leading provider of small business loans and advances utilizing customized technology and business processes. CPC is leveraging its strong balance sheet, technology, and risk analytics competencies to launch an Equipment Finance division to support third party originators. Channel Partners empowers and trains team members at all levels to make quick decisions in order to service our partners and ensure the flexibility and nimbleness needed to compete in today’s marketplace. If you have a desire and are motivated by being a part of fast growing, nimble, and diverse organization where you can make a difference every day, Channel Partners is the perfect home for you. The Equipment Finance offering will bring a tremendous amount of growth and opportunity for successful team members at Channel Partners.

Since its founding in 2009, Channel Partners Capital has originated over 10,000 loans generating receivables of over $500 million and is one of a limited number of full-service, non-bank lenders successfully filling the gap in small business credit availability. Last year Channel Partners Capital was ranked among the 500/5000 fastest-growing private companies in the U.S. by Inc. magazine for the seventh straight year.

Channel Partners offers a flexible work environment where we encourage innovation and the growth of our team members. Compensation includes a base salary plus an annual bonus designed to support company goals. Benefits include medical and dental plans, a paid time off, an employer-match company 401K plan, life insurance, and long-term disability insurance plan.

Position Responsibilities

The Senior Credit Analyst will report directly to the SVP of Underwriting and Operations and is responsible for leading the credit underwriting function for our Equipment Finance Group. The position is accountable for underwriting and offering quick turn around on small ticket equipment finance applications up to $250,000 in a fast paced and high-volume environment while making sound credit decisions protecting the integrity of our portfolio. The candidate will make independent decisions on commercial credit applications through evaluation of business and personal credit reports, financial statements, tax returns and other credit information. Channel Partners has a scoring model built on millions of datapoints to aid in the decision making.

The best candidates will be self-motivated, team-oriented and eager to be a part of a rapidly growing business. Ideally this candidate will have the desire to become a part of the leadership team for CPEF.

Key Responsibilities
  • Credit adjudicate and approve new finance applications within level of authority.
  • Make timely credit decisions, sometimes on limited information.
  • Professionally communicate decisions to our partners.
  • Build relationships and offer exceptional service to our partners to ensure continued flow business.
  • Communicate and work proactively with the sales team to help further penetrate our relationships with existing and new customers.
  • Work to protect Channel Partners Capital from fraud and aid in pricing transactions for the appropriate risk.
  • Look for ways to improve our customers’ experience in working with Channel Partners Equipment Finance Group.
  • Identifies and implements underwriting strategies which make Channel Partners Capital a recognized, differentiated leader in the equipment finance industry.
  • Keeps abreast of industry and competitor trends. Continuously builds and evolves the underwriting function.
Desired Qualifications
  • Proven track record of success in small ticket equipment finance credit underwriting.
  • Strong analytical skills with high attention to detail and accuracy.
  • Confidence to make independent decisions and process information quickly.
  • Excellent verbal, written and interpersonal skills.
  • Ability to build relationships.
  • Excellent organization and industry outreach ability.
  • Expert working knowledge of underwriting third-party originated products preferred.
Education and Experience
  • Minimum 7+ years’ experience in credit and small business underwriting, 5 years in equipment financing preferred.
  • Bachelor’s or master’s degree in relevant financial field or equivalent work experience.
  • Expert level understanding of credit and underwriting operations, including knowledge of scoring models.
  • Experience in or understanding of equipment finance business model in small-ticket business segment desirable.
  • Working knowledge of financial statement analyses
To apply for this position, please follow this link Senior Credit Analyst.