Senior Credit Analyst

Senior Credit Analyst

Dext Capital is a national, innovative, financial services company headquartered in the Portland Metro area. Dext offers an exceptional culture and countless opportunities for growth and advancement. We are seeking a motivated individual to join us as a Senior Credit Analyst. The ideal Senior Credit Analyst candidate will have demonstrated equipment underwriting experience of large ticket transactions and data evaluation. The ideal candidate is a senior level analyst with at least five years of large ticket equipment underwriting experience with the ability to demonstrate their write up capabilities.

Dext Capital has been named one of the top 5 fastest-growing companies in the Greater Northwest for the last 2 years and a best place to work award recipient in 2024. Dext offers strong benefits and is committed to leveraging technology while enabling our employees to grow in a high-performance environment.

Job Duties/Responsibilities:

• Independently analyze and underwrite complex, large-ticket credit transactions, including detailed review of income statements, balance sheets, cash flow statements, and risk factors.
• Develop comprehensive credit recommendations and structures that appropriately balance growth objectives with risk mitigation and credit policy adherence.
• Prepare clear, well-reasoned credit write-ups and formal presentations for transactions involving sophisticated borrowers, complex ownership structures, and non-standard program features, for review by senior management.
• Serve as a trusted credit partner to Business Development, providing guidance on deal structuring, risk considerations, and feasibility throughout the origination process.
• Exercise sound credit judgment on complex transactions with limited supervision.
• Support portfolio quality and long-term performance through disciplined underwriting, timely transaction reviews, and ongoing collaboration with internal stakeholders.
• Partner cross-functionally with Legal, Operations, Documentation, and other teams to address credit, documentation, and program considerations.
• Contribute to special credit-related projects, process improvements, and initiatives supporting the evolution of the Large Ticket department.

Characteristics:

• Sound judgment and confidence operating with a high degree of autonomy
• Detail-oriented with strong analytical mindset
• Solutions-oriented and adaptable in complex or ambiguous situations
• Strong alignment with a team-based, performance-driven culture

Experience Requirements:

• Bachelors degree in Business, Finance or related field
• 5+ years large ticket underwriting experience within the Equipment Finance Industry with demonstrated experience underwriting complex, structured transactions
• Ability to independently evaluate risk, interpret financial data, and make well-supported credit recommendations.
• Advanced written and verbal communication skills, with a strong ability to articulate credit rationale.
• Strong organizational, analytical, and problem-solving skills in a fast-paced, high-growth environment.
• Strong organizational, analytical, problem solving, and communication skills.
• Proven ability to collaborate effectively across departments while maintaining accountability for individual deliverables.
• High level of professionalism, discretion, and commitment to maintaining confidentiality of sensitive information.
• Proficiency with Microsoft Office, particularly Excel and Word; experience producing formal credit memoranda and presentations.