Job description
Description
Altius Search Group has partnered with a leading national equipment finance firm known for empowering small businesses and franchise operators through innovative financing solutions. We are seeking a Franchise Commercial Credit Analyst to support their franchise lending initiatives and help expand credit capabilities within the small-ticket and middle-market segments.
As a vital member of the credit team, you’ll evaluate new opportunities, assess risk, and ensure sound underwriting in alignment with company credit policies—all while contributing to a values-driven culture that puts customers and small business success first.
Requirements
Key Responsibilities
Analyze creditworthiness of franchisees and small business applicants through financial statement review, cash flow analysis, and risk modeling.
Perform due diligence on business and personal credit history, debt servicing ability, and overall borrower health.
Collaborate with originators, underwriters, and legal teams to structure franchise equipment financing deals.
Prepare detailed credit memos with recommendations for approval/decline, addressing both financial and non-financial risk factors.
Maintain a strong understanding of franchise operating models and unit economics.
Ensure credit decisions are aligned with company policies, portfolio goals, and risk appetite.
Engage in ongoing monitoring of funded accounts, tracking performance and early warning signs.
Qualifications
Bachelor’s degree in Finance, Accounting, Business, or related field.
2–5 years of commercial credit analysis experience, ideally in equipment finance or franchise lending.
Strong knowledge of financial statements, credit scoring models, and lending compliance standards.
Familiarity with small-ticket commercial credit underwriting and structured finance solutions.
Experience working in a high-volume, fast-paced underwriting environment.
Strong analytical, written, and verbal communication skills.
Self-motivated, collaborative, and eager to contribute to a high-performing, mission-driven team.
Preferred Attributes
Prior exposure to the franchise finance industry or direct experience underwriting franchise brands.
Understanding of small business lending regulations and secured equipment finance structures.
Experience with LOS/Credit platforms such as Salesforce, Moody’s RiskCalc, or CreditLens.
