Senior Credit Analyst

Role: Senior Credit Analyst

Location: Elk Grove, IL

Salary: Up to $75,000 (DOE)

Work Type: Full-time, Exempt (FLSA), Onsite (9:00 AM – 5:00 PM)

Travel: Up to 10% (domestic and occasional international)

Visa Sponsorship: Not available

Relocation Support: Not available

Benefits: Health, Dental, Vision, Life Insurance

Position Overview

We are seeking a detail-oriented Senior Credit Analyst to support Business-to-Business credit operations across North America. This role plays a key part in evaluating credit risk, analyzing financial statements, and supporting well-informed lending decisions. The ideal candidate brings strong analytical skills, sound judgment, and the ability to collaborate across departments in a structured yet dynamic environment.

Key Responsibilities

• Analyze customer creditworthiness through financial statements, credit reports, and scoring models
• Conduct detailed financial analysis including cash flow, liquidity, leverage, and collateral coverage
• Prepare clear, concise credit narratives and loan recommendations for management review
• Assess risk factors and recommend appropriate loan structures or mitigation strategies
• Review applications, tax returns, balance sheets, and third-party credit reports
• Spread financial statements and evaluate multi-year trends using financial analysis tools
• Create and manage applications within internal systems and prepare contracts via electronic signature platforms
• Support enhancements to credit scoring tools and internal decision processes
• Ensure adherence to standard operating procedures in all reporting and analysis
• Provide guidance and support to junior team members as needed
• Collaborate cross-functionally with accounting, sales, and leadership teams

Qualifications

• Bachelor’s degree in Business, Accounting, or Finance preferred
• 4–8 years of experience in credit risk, underwriting, or financial analysis
• Strong understanding of financial ratios and risk assessment
• Experience with ERP/CRM systems such as Dynamics AX and Salesforce
• Proficiency in Microsoft Office (especially Excel)
• Knowledge of UCC-1/PPSA regulations preferred
• Bilingual English/Spanish highly desirable
• Excellent written and verbal communication skills
• Highly organized, analytical, and self-motivated

Work Environment & Physical Requirements

This role operates in an indoor office environment and requires extended periods of sitting and computer use, with occasional light lifting.

Equal opportunity employer.