Mitsubishi HC Capital America, Inc.
Senior Credit Analyst, Mid Ticket Equipment Finance
Mitsubishi HC Capital America, Inc., Edina, Minnesota, United States
Overview
Senior Credit Analyst, Mid Ticket Equipment Finance at Mitsubishi HC Capital America, Inc. The role involves evaluating and underwriting credit transactions across diverse industries, with exposure typically between $1M–$5M, and making decisions within assigned authority in accordance with credit policy. Onsite work is required 5 days/week in Edina, MN; Itasca, IL; or Norwalk, CT. Base pay range : $76,000.00/yr - $89,000.00/yr. This role is eligible for a year-end bonus and may include additional compensation based on experience. Responsibilities
Review and process credit transaction applications with exposures between $1M–$5M within assigned signature authority and in compliance with Mitsubishi HC Capital credit policy; recommend terms for transactions beyond authority to senior management. Analyze and spread financial statements; apply scoring models and interpret outputs to assess risk. Prepare detailed credit memos aligned with MHCA underwriting criteria. Collaborate with sales, legal, and operations teams to ensure accurate documentation; engage with vendors to clarify deal details and support submissions. Support documentation, funding, collateral valuation processes, onboarding and training of new credit staff, and maintain documentation reflecting actual approvals and commitments. Mentor junior analysts and support training initiatives; participate in application-only workflow as needed to maintain efficiency. Maintain compliance with internal controls, SOX, and regulatory policies; work independently within company policy. Maintain industry exposure knowledge, with preference for healthcare, IT, transportation, or construction sectors. Qualifications
Bachelor’s degree in Finance, Business, or related field. 5+ years of experience in financial statement analysis and credit underwriting. Proven ability to review, understand, and communicate financial statements and use data to risk-rate transactions. Prior credit authority of $1M+ (ideally up to $5M) and prior single-signature approval authority in a risk finance environment. Strong analytical, decision-making, and communication skills; ability to work independently. Experience in underwriting healthcare, IT, or franchise lending industries is a plus; collections background is a plus. Compensation & Benefits
Compensation:
$76,000 – $89,000; based on experience. Eligible for a year-end bonus. Health & Insurance:
Medical, dental, vision, life & AD&D with low premiums; prescription drug coverage. Financial Security:
401K with immediate vesting and up to 4.5% match; RSP contributions day one; HSA contributions; flexible-spending accounts. Time Off:
Competitive vacation time, plus 10 holidays. Wellness & Lifestyle:
Annual fitness reimbursement; virtual fitness membership; stress management tools; Employee Assistance Program. Professional Growth:
Tuition reimbursement after one year; dedicated development budget. Culture:
Transparent, collaborative environment with a supportive, family-like team. Apply
MAKE A VISIBLE IMPACT: Apply now or forward your resume directly to
catherine_martone@ajg.com
(email kept for reference). Equal Opportunity : Mitsubishi HC Capital is an equal opportunities employer and encourages applications from qualified candidates regardless of sex, race, disability, age, sexual orientation, status, religion or belief, marital status, or pregnancy and maternity.
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Senior Credit Analyst, Mid Ticket Equipment Finance at Mitsubishi HC Capital America, Inc. The role involves evaluating and underwriting credit transactions across diverse industries, with exposure typically between $1M–$5M, and making decisions within assigned authority in accordance with credit policy. Onsite work is required 5 days/week in Edina, MN; Itasca, IL; or Norwalk, CT. Base pay range : $76,000.00/yr - $89,000.00/yr. This role is eligible for a year-end bonus and may include additional compensation based on experience. Responsibilities
Review and process credit transaction applications with exposures between $1M–$5M within assigned signature authority and in compliance with Mitsubishi HC Capital credit policy; recommend terms for transactions beyond authority to senior management. Analyze and spread financial statements; apply scoring models and interpret outputs to assess risk. Prepare detailed credit memos aligned with MHCA underwriting criteria. Collaborate with sales, legal, and operations teams to ensure accurate documentation; engage with vendors to clarify deal details and support submissions. Support documentation, funding, collateral valuation processes, onboarding and training of new credit staff, and maintain documentation reflecting actual approvals and commitments. Mentor junior analysts and support training initiatives; participate in application-only workflow as needed to maintain efficiency. Maintain compliance with internal controls, SOX, and regulatory policies; work independently within company policy. Maintain industry exposure knowledge, with preference for healthcare, IT, transportation, or construction sectors. Qualifications
Bachelor’s degree in Finance, Business, or related field. 5+ years of experience in financial statement analysis and credit underwriting. Proven ability to review, understand, and communicate financial statements and use data to risk-rate transactions. Prior credit authority of $1M+ (ideally up to $5M) and prior single-signature approval authority in a risk finance environment. Strong analytical, decision-making, and communication skills; ability to work independently. Experience in underwriting healthcare, IT, or franchise lending industries is a plus; collections background is a plus. Compensation & Benefits
Compensation:
$76,000 – $89,000; based on experience. Eligible for a year-end bonus. Health & Insurance:
Medical, dental, vision, life & AD&D with low premiums; prescription drug coverage. Financial Security:
401K with immediate vesting and up to 4.5% match; RSP contributions day one; HSA contributions; flexible-spending accounts. Time Off:
Competitive vacation time, plus 10 holidays. Wellness & Lifestyle:
Annual fitness reimbursement; virtual fitness membership; stress management tools; Employee Assistance Program. Professional Growth:
Tuition reimbursement after one year; dedicated development budget. Culture:
Transparent, collaborative environment with a supportive, family-like team. Apply
MAKE A VISIBLE IMPACT: Apply now or forward your resume directly to
catherine_martone@ajg.com
(email kept for reference). Equal Opportunity : Mitsubishi HC Capital is an equal opportunities employer and encourages applications from qualified candidates regardless of sex, race, disability, age, sexual orientation, status, religion or belief, marital status, or pregnancy and maternity.
#J-18808-Ljbffr