Senior Credit Analyst

Role Details

• Location: Elk Grove, IL
• Salary: Up to $75,000 (DOE)
• Employment 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 Assistance: Not available
• Benefits: Health, Dental, Vision, Life Insurance

Position Overview

We are seeking a meticulous Senior Credit Analyst to support B2B credit operations across North America. This role is central to assessing credit risk, reviewing financial statements, and enabling informed lending decisions. The successful candidate will demonstrate strong analytical abilities, sound judgment, and the capacity to collaborate across departments in a structured yet agile setting.

Key Responsibilities

• Assess customers' creditworthiness by reviewing financial statements, credit reports, and scoring models
• Perform in-depth financial analyses covering cash flow, liquidity, leverage, and collateral coverage
• Draft clear credit narratives and loan recommendations for management review
• Identify risk factors and propose suitable loan structures or mitigation measures
• Review loan applications, tax returns, balance sheets, and third-party credit reports
• Spread financial statements and analyze multi-year trends using financial analysis tools
• Create and manage applications in internal systems and prepare contracts using e-signature platforms
• Support improvements to credit scoring tools and internal decision-making processes
• Ensure compliance with 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 position operates in an indoor office setting and involves extended periods of sitting and computer use, with occasional light lifting. Equal opportunity employer.