Senior Credit Analyst, Technology​/Healthcare

Senior Credit Analyst, Technology/Healthcare

Mitsubishi HC Capital America, Inc. provides a pay range of $76,000.00/yr - $89,000.00/yr. Your actual pay will be based on your skills and experience. Talk with your recruiter to learn more.

Annual Bonus.

Our client,
Mitsubishi HC Capital
, is seeking a Senior Credit Analyst to join their dynamic Credit team. This role is pivotal in evaluating and underwriting credit transactions across diverse industries, with a strong focus on healthcare, technology, and franchise. If you have experience underwriting in these industries, along with a solid background in commercial credit underwriting and lending and thrive in a collaborative, fast‑paced environment, this is your opportunity to make a visible impact.

HYBRID: in either Edina, MN, Itasca, IL or Norwalk, CT offices.

As a Senior Credit Analyst
, you will review and process credit transaction applications with exposures between $350K–$2M, making decisions within your assigned single signature authority and in compliance with Mitsubishi HC Capital credit policy. For transactions exceeding your authority, you will recommend terms to senior credit management. You will also support documentation, funding and collateral valuation processes and assist in onboarding and training new credit staff.

KEY RESPONSIBILITIES:

• Review applications for accuracy.
• Communicate with “clients” (vendors, dealers, brokers, customers, etc.) in a professional manner via phone or email.
• Research industries, markets, and equipment as necessary.
• Underwrite and decision transactions generally ranging from $350,000 to $2,000,000 within designated authority.
• Provide recommendations to senior members of the credit team on transactions above designated authority.
• Perform other related duties as assigned by management.
• Obtain and analyze public and private information such as Dun & Bradstreet reports, Paynet reports, Secretary of State corporate name verifications, Credit Bureau reports, etc.
• Review and spread financial statements to provide formative analysis regarding performance and trends.
• 5+ years’ experience of commercial credit/lending underwriting and financial statement analysis.
• At least 2 years of experience in underwriting healthcare, IT, or franchise lending industries.
• Credit approval authority of $500K–$1M.
• Proven ability to review, understand, and communicate financial statements and utilize data to risk‑rate transactions.
• Prior single signature approval authority within a risk finance investment environment.
• Strong analytical, decision‑making, and communication skills.
• Collections background is a plus.
• Ability to work independently and make decisions within company policy.

COMPENSATION: $76,000 – $89,000; based on experience. This role is also eligible for a year‑end bonus.

Experience a comprehensive package designed to fuel your personal and professional journey:

• Top‑Tier Health & Insurance: Medical, dental, vision, life & AD&D with low premiums; prescription drug coverage.
• Financial Security: 401(k) 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 scheduled holidays.
• Wellness & Lifestyle: Annual fitness reimbursement; virtual fitness membership; stress management tools;
  Employee Assistance Program for confidential support and coaching.
• Professional Growth: Tuition reimbursement after one year; dedicated development budget.
• Culture: Transparent, collaborative environment with a supportive, family‑like team.

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MAKE A VISABLE IMPACT:
Apply now or forward your resume directly to

Mitsubishi HC Capital is an equal opportunities employer and positively encourages applications from suitably qualified and eligible candidates regardless of sex, race, disability, age, sexual orientation, status, religion or belief, marital status, or pregnancy and maternity.