Commercial Credit Analyst

Charger logistics Inc. is a world- class asset-based carrier with locations across North America. With over 20 years of experience providing the best logistics solutions, Charger logistics has transformed into a world-class transport provider and continue to grow.

We are seeking an experienced Commercial Credit Analyst to join our truck sales team. The ideal candidate will oversee credit operations, develop credit policies, and manage risk for our financing programs.

Responsibilities:

• Develop and implement credit policies and procedures for equipment sales financing
• Analyze complex financial statements and credit reports for individuals & businesses to make informed lending decisions
• Evaluate and approve high-value credit applications for equipment purchases and leases
• Collaborate with sales teams to structure deals that balance risk and revenue objectives
• Monitor and manage the credit portfolio, identifying trends and potential risks
• Negotiate terms with customers and develop strategies for challenging credit situations
• Implement and maintain credit scoring models and risk assessment tools
• Liaise with legal and collections teams to resolve delinquent accounts
• Prepare regular reports on portfolio performance, risk metrics, and market trends
• Stay current with industry regulations and ensure compliance in all credit activities

Requirements

• Bachelor’s degree in finance, Accounting, or related field; or relevant master's degree preferred
• At least 2+ years of experience in commercial credit analysis,
• Strong understanding of equipment financing and leasing industry
• Excellent analytical and decision-making skills
• Proficient in financial modelling and risk assessment techniques
• Experience with credit management and CRM systems
• Strong leadership and team management abilities
• Exceptional communication and negotiation skills
• Ability to work under pressure and meet deadlines in a fast-paced environment
• Familiarity with asset-based lending practices

Benefits

• Competitive Salary
• Healthcare Benefit Package
• Career Growth