Commercial Credit Analyst I-Iii

About Akrapoint

Akrapoint is a growing national equipment finance company built by KKR and managed by an experienced team of industry professionals with a vision to create a modern, high-performing commercial lending platform. We provide equipment financing solutions to businesses across a wide range of industries, combining deep credit and finance expertise with technology, streamlined processes, and a strong commitment to our customers and partners.

We are building a culture centered on integrity, collaboration, success, and giving talented people the autonomy and opportunity to make a meaningful impact as the company grows.

Annual Discretionary Bonus: 10% of base salary

Benefits: Comprehensive benefits package including medical, dental, vision, and 401(k). Unlimited PTO with approval, and bank holidays. Opportunities for professional development and advancement.

Location: Denver preferred, remote considered. Work from home, hybrid, or in-office;
generally 8:00 a.M.–5:00 p.M., Monday–Friday.

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Akrapoint is considering Commercial Credit Underwriters across all levels. Final title and responsibility will be aligned to experience.

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COMMERCIAL CREDIT ANALYST I

Reports To: Portfolio Manager or other designated Credit leader

Base Salary Range: $65,000–$75,000

Typical Delegated Credit Authority: $0–$250,000, based on demonstrated capability and formal delegation

Position Summary

Commercial Credit Analyst I is an entry-level credit professional responsible for supporting the evaluation of commercial credit requests within the Company's equipment finance business. The position develops core underwriting skills through direct involvement in credit analysis, financial statement review, transaction assessment, credit documentation, and portfolio monitoring.

The analyst is expected to develop the ability to identify key credit risks, form an independent view of creditworthiness, and make well-supported recommendations to more senior credit personnel. As proficiency and judgment are demonstrated, the employee may receive limited independent credit approval authority.

Primary Responsibilities and Duties

• Review commercial credit applications and supporting financial information.
• Analyze financial statements, tax returns, cash flow, leverage, liquidity, and debt service capacity.
• Evaluate borrowers, guarantors, collateral, equipment, and transaction structure.
• Identify key risks, missing information, and policy exceptions.
• Prepare credit summaries and recommend approval, decline, or changes.
• Make credit decisions within assigned authority, when applicable.
• Work with Sales and Operations to move transactions through the credit process.
• Monitor existing customers and portfolio risk as needed.
• Maintain accurate credit files and follow Company credit policies.
• Provide prompt, professional service to sales reps and customers.

Required Qualifications

• Bachelor's degree in business, finance, accounting, economics, or a closely related field.
• 0–2 years of applicable credit, financial analysis, commercial lending, equipment finance, banking, accounting, or related experience.
• Foundational knowledge of accounting and financial statement analysis.
• Strong analytical, organizational, written, and verbal communication skills.
• Strong attention to detail and commitment to accuracy.
• Ability and willingness to develop independent credit judgment.

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COMMERCIAL CREDIT ANALYST II

Reports To: Portfolio Manager or other designated Credit leader

Base Salary Range: $75,000–$85,000

Typical Delegated Credit Authority: $250,000–$500,000, subject to formal delegation

Position Summary

Commercial Credit Analyst II is responsible for independently evaluating commercial credit requests and supporting sound credit decisions within the Company's equipment finance business.

This position performs the full underwriting process from initial application through recommendation or decision and is expected to manage a greater transaction volume with less supervision than an entry-level analyst. The Credit Analyst II also serves as a resource to Credit Analyst I employees and contributes to special projects and departmental initiatives.

Primary Responsibilities and Duties

• Independently review and analyze commercial credit applications and supporting financial information.
• Evaluate cash flow, leverage, liquidity, guarantor support, collateral, and repayment capacity.
• Assess transaction structure, equipment, advance levels, terms, and key risk factors.
• Research borrowers, industries, and markets as needed.
• Prepare credit summaries and approve, decline, condition, or escalate requests within assigned authority.
• Manage underwriting workflow and communicate with Sales, Operations, and other business partners.
• Support and provide guidance to junior credit analysts.
• Monitor existing customers, portfolio risk, delinquencies, and early warning signs.
• Maintain underwriting quality, accurate credit files, and compliance with Company policies.
• Participate in customer meetings, trade shows, special projects, and other credit-related activities as needed.
• Provide prompt, professional service to sales reps and customers.

Required Qualifications

• Bachelor's degree in business, finance, accounting, economics, or a closely related field.
• Approximately 1–4 years of applicable credit, financial analysis, commercial lending, equipment finance, banking, or related experience.
• Demonstrated proficiency in financial statement and cash-flow analysis.
• Strong written credit analysis and communication skills.
• Ability to independently identify material credit risks and recommend appropriate mitigants and transaction structures.
• Demonstrated ability to manage multiple transactions and priorities effectively.

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COMMERCIAL CREDIT ANALYST III

Reports To: Portfolio Manager, or other designated Credit leader

Base Salary Range: $85,000–$95,000

Typical Delegated Credit Authority: $500,000–$750,000, subject to formal delegation

Position Summary

Commercial Credit Analyst III is a senior-level analyst responsible for independently underwriting and decisioning increasingly complex commercial equipment finance transactions.

The position is expected to demonstrate mature credit judgment, strong technical financial skills, and the ability to evaluate full-underwrite transactions involving more substantial exposure, complex financial information, financial modeling tasks, or other risk considerations.

The Commercial Credit Analyst III also serves as a leader and technical resource within the analyst group and plays an active role in training and developing junior credit personnel.

Primary Responsibilities and Duties

• Independently underwrite complex commercial credit transactions.
• Provide experienced and analytical review of financial statements for performance, cash flow, leverage, liquidity, guarantor strength, and repayment capacity.
• Evaluate ownership structures, affiliates, collateral, equipment, transaction structure, and key risk factors.
• Research borrowers, industries, and markets as needed.
• Prepare and present credit recommendations for significant or complex transactions.
• Approve, decline, condition, or escalate requests within assigned authority.
• Recommend appropriate structures, terms, and risk mitigants.
• Identify policy exceptions and material credit concerns.
• Review junior analyst work and provide guidance, feedback, and training.
• Help maintain consistent underwriting standards and credit quality across the department.
• Participate in customer calls, site visits, portfolio monitoring, and special projects as needed.
• Provide prompt, professional service to sales reps and customers.

Required Qualifications

• Bachelor's degree in business, finance, accounting, economics, or a closely related field.
• Approximately 2–6 years of applicable commercial credit, equipment finance, banking, underwriting, or related experience.
• Strong understanding of accounting, financial statement analysis, cash-flow analysis, and commercial credit principles.
• Demonstrated ability to independently underwrite increasingly complex transactions.
• Strong written and verbal communication skills.
• Demonstrated credit judgment, leadership capability, and ability to coach less experienced analysts.