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Senior Credit Analyst - Commercial Underwriting/ Commercial Lending

Baltimore, Maryland
Job Type
18 Sep 2022
Get started on an exciting career at Element!

Element employees make a difference in the lives of others every day. We are re-defining the fleet management industry to be people first, then business delivering on our promise of a superior client experience. This takes hard work and innovation, and we need more like-minded people on our team.

What We Need

We are looking for a Senior Analyst, Credit (Commercial Underwriting/ Commercial Lending) who will play a critical part in supporting Elements profitable growth through the timely completion of high-quality credit underwriting and portfolio management duties.

Are you:
  • Analytical and dedicated to achieving continuous improvement?
  • Process-orientated with a proven track record of success?
A Day in the Life
  • Prepare detailed written analysis of current and prospective commercial customer credit requests in a timely manner, concisely identifying relevant credit risks and mitigating factors; Deals may be more complex, and/or larger clients in nature, including liaising with Fortune 500 clients.
  • Apply expert judgment in decisioning deals at delegated approval authorities and/or recommend appropriate deal structures for Senior Management and/or Board-level reviews and approvals.
  • Execute ongoing monitoring of assigned portfolio of accounts, completing annual renewals ahead of expirations and identifying potential problem accounts for enhanced monitoring.
  • Consult regularly with internal clients (i.e. Commercial and Collections teams) and external customers (i.e. building relationships with Fortune 500 executives) as necessary in completing credit-related requests, including underwriting, contract documentation and obtaining necessary deal structure requirements when applicable.
  • Obtain, investigate, and analyze credit data.
  • Assist other team members on an as-needed basis in support of a one team approach to portfolio management.
  • Adhere to credit and operational policies and procedures, including completion of routine know-your-customer due diligence.
  • Bachelors Degree in Economics, Finance or Accounting
  • 5+ years of underwriting or corporate financial statement analysis experience in commercial banking, commercial lending/leasing or financial services industries
  • Strong analytical and problem-solving skills with an ability to analyze, interpret, draw conclusions, and clearly communicate solutions on a variety of issues with consideration given to the strengths and weaknesses of alternative solutions
  • Proficient in business writing
  • Strong verbal and written interpersonal communication skills with ability to work effectively as a self-starter in a remote team environment
  • Proficient with Microsoft Office product suite (PowerPoint, Excel, Word, Outlook) and internet-based applications

Whats in it for You

A culture of innovation, empowerment, decision-making, and accountability

Comprehensive health and welfare benefits that serve the needs of you and your family and foster a culture of wellness

Additional benefits and amenities, including paid time-off programs (vacation, sick leave, and holidays)

Hybrid work environment for most positions

Applicants will be required to undergo a background check only if and after a conditional offer of employment has been extended.

Beginning January 1, 2022 , Element requires new hires to provide their COVID-19 vaccination status as of their startdate. This requirement is a condition of employment atElementand must be provided prior to commencing employment. If working in an Element office, full vaccination against COVID-19 may be a requirement of employment. If you are unable to receive the vaccine due to a health condition or because it is prohibitedas a result ofyour sincerely held religious beliefs, you will have an opportunity to request a reasonable accommodation.

Element Fleet Management and its wholly owned subsidiaries are an equal opportunity employer committed to diversity and inclusion. We are pleased to consider all qualified applicants for employment without regard to race, color, religion, gender identity, age, sex, sexual orientation, disability, national origin, Aboriginal/Native American status, protected veterans status or any other legally-protected factors. Disability-related accommodations during the application and interview process are available upon request. Should you require an accommodation with our hiring process please send an email to or call .

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  • Job Reference: 715270459-2
  • Date Posted: 18 September 2022
  • Recruiter: Element Fleet Management
  • Location: Baltimore, Maryland
  • Salary: On Application
  • Sector: Insurance & Superannuation
  • Job Type: Permanent