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About Equify Financial

Equify Financial is an independent, privately-held specialty finance firm located in Fort Worth, Texas. With more than 180 years of combined expertise in equipment finance, the company delivers tailored lending solutions anchored on deep insight into clients' financial status. As a collateral-based lender, Equify supports businesses at different financial stages, focusing on fostering growth through innovative capital solutions.

Position Summary

This entry-level role, Credit Analyst I, is suited for driven early-career professionals aspiring to advance in equipment finance, commercial lending, and construction industry underwriting. The role involves supporting credit underwriting, portfolio oversight, and credit administration by collecting and analyzing borrower financial data, assessing collateral, preparing credit documentation, and assisting senior analysts with portfolio evaluations. The position offers dynamic exposure to credit assessment, operations, sales, collections, and engagement with senior management.

Key Responsibilities

Evaluate financial statements, tax returns, cash flow, and banking records alongside borrowing requests to aid credit evaluation and transaction structure.
Develop financial spreads, cash flow analyses, credit memos, underwriting summaries, and reports for portfolio management.
Review collateral schedules, equipment appraisals, UCC filings, background checks, and other due diligence materials pertinent to credit decisions.
Create credit memos applying the Six C's of Credit for commercial, construction, transportation, and other industrial entities.
Assist with annual reviews, portfolio renewals, ongoing borrower monitoring including covenant compliance, and risk rating updates.
Coordinate with internal teams such as sales, documentation, funding, and accounting to facilitate transaction closures.
Generate and interpret standard financial ratios used for credit decisions.
Manage accurate record-keeping within internal systems, support reporting, data integrity, and process enhancement efforts.
Engage in continuous improvement of business procedures relating to records custody, collateral management, security, and other critical functions.
Set clear personal goals and priorities to effectively work independently and collaboratively.
Build and sustain constructive, cooperative working relationships over time.
Perform additional duties as assigned.

Required Skills and Proficiencies

Strong logical reasoning and analytical capability to assess alternatives and solve problems effectively.
Critical thinking applied to business and credit decision-making processes.
Ability to function independently and collaboratively within a team environment.
Strict adherence to confidentiality and understanding of privacy laws and company policies.
Proficient in Microsoft Excel and familiar with financial spreading tools.
Exceptional attention to detail ensuring accuracy in written analysis and documentation.

Education and Experience

Bachelor's Degree in Finance, Accounting, Economics, Business Administration, or a closely related discipline is mandatory.
Up to three years of relevant experience preferred in fields such as commercial banking, equipment finance, credit or financial analysis, or public accounting.
Internship or rotational experience in commercial lending or equipment finance is an asset.
Knowledge of financial statements and cash flow assessment is advantageous.
Exposure to construction, equipment, industrial, or transportation sectors is preferred.

Working Environment and Conditions

Extended periods of desk work requiring computer use.
Occasional lifting of up to 15 pounds, including installation tasks under desks.
Movement within the office building to access physical files.
Ability to understand and follow written and verbal instructions.
Work completion expected despite frequent interruptions.
Use of discretion and independent judgment as needed.
Clear verbal communication required with colleagues and over the phone.

Benefits

Competitive salary package.
Comprehensive medical, dental, and vision insurance coverage.
401(k) plan with company matching contributions.
Life insurance and long-term disability coverage fully paid by the company.
Health Savings Account (HSA) options.
Gym membership reimbursement program.
Tuition reimbursement opportunities.
Wellness programs that may reduce insurance premiums.
Employee Assistance Program (EAP) resources.
Paid holidays and paid time off (PTO).

Additional Information

This description summarizes the main duties and is not exhaustive; responsibilities and job requirements are subject to change based on organizational needs. Reasonable accommodations will be made following the Americans with Disabilities Act (ADA) for qualified individuals.

Applicants have acknowledged understanding of the role's essential functions and responsibilities and their capacity to perform them with or without accommodations.

Equify Financial and its affiliates do not accept unsolicited resumes from recruitment agencies or fee-charging agencies.

Credit Analyst I