The credit analyst, in a larger exposure underwriting role, has a critically important function to review and process transactions within their authority and present transactions to senior management across all verticals. This position requires direct interaction with all department and requires teamwork across the business to help KLC accomplish its company goals and objectives. 


  • Review applications for accuracy
  • Obtain & analyze public and private information such as Paynet reports, Secretary of State corporate      name verifications, Safer reports, Backgrounds, Credit Bureau reports etc.
  • Verify bank and credit references.
  • Review and spread financials/tax returns to provide formative analysis regarding performance and trends. Familiarity with Moody’s Financial/Risk Analysis is important to assist with underwriting analysis.
  • Communicate with “(vendors, dealers, brokers, customers etc.) in a professional manner via      phone or email.
  • May require minimal travel at times to visit customers.
  • Research industries, markets and equipment as necessary
  • Complete summary write ups/committee presentations on potential customers
  • Underwrite and decision transactions within credit authority. 
  • Underwrite and present transactions that exceed credit authority to senior management and credit      committee
  • Performs other related duties as assigned by management.


  • Bachelor’s degree with major in finance or accounting
  • 5+ years of commercial underwriting or related experience
  • Knowledge of equipment finance industry, including titles, UCC, and insurance is a plus.
  • Adaptability – adapts to changes in the work environment positively. Exhibits flexibility and unbiased attitude, open to new ideas and deals effectively with high-pressure situations. 
  • Dependability – meets commitments, works independently, accepts accountability, stays focused under pressure, and meets attendance requirements.
  • Initiative – tackles problems and takes independent action, seeks out new responsibilities, acts on      opportunities, generates new ideas, practices self-development, and seeks learning opportunities.
  • Productivity – manages expected workload, takes on additional responsibilities as needed, manage priorities and deadlines, develops, and follows work procedures and policies, manages time effectively, handles information flow.
  • Quality – attentive to detail and accuracy, shows commitment to quality standards, makes continuous      improvement, takes ownership in resolving quality problems/issues, recognizes and communicates quality problems/issues to management.
  • Communication – speaks clearly and concisely in a positive, or negative, situation. Listens and gets      clarification. Responds well to questions, ability to present numerical data effectively, and ability to read and interpret written information.
  • Teamwork – Balances team and individual responsibilities.
  • Knowledge of MS Office (Word, Excel, Outlook) and Adobe.

The Account Specialist will support a variety of elements within the Operations department. This position will act as a liaison and support channel with various business partners to drive and manage payoffs, responding to customer issues and following for document deficiencies.  This position requires direct interaction with customers and requires teamwork across the business.