Franchise Commercial Credit Analyst

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.

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.