Junior Credit Analyst

Due to our continued growth and the strong partnership between Empire Truck Sales and Stribling Equipment, S&G Financial is seeking a motivated and analytical Junior Credit Analyst to join our team in Richland, MS. This position supports the financial operations of both organizations and helps facilitate responsible growth across our expanding customer base.

This opportunity is ideal for a finance professional with 0–2 years of credit or lending experience who is eager to build strong underwriting skills in a fast-paced, high-volume environment. The successful candidate will learn to make sound credit decisions under the guidance of experienced analysts and grow into a full Credit Analyst role.

Position Summary

The Junior Credit Analyst is responsible for evaluating credit data and financial information for individuals and businesses applying for equipment and truck financing. Working within assigned approval limits and alongside senior analysts, this position assesses risk, determines creditworthiness, and recommends loan approvals, credit limits, and terms.

This role prepares credit analyses and summaries for management review and works closely with remote sales representatives and internal departments to support customer acquisitions and ongoing account management.

Key Responsibilities

• Analyze clients' credit reports, financial statements, and tax returns to assess lending risk
• Calculate and interpret financial ratios, including cash flow, debt service coverage and leverage, using internal systems and software
• Evaluate equipment and truck collateral relative to the amount financed
• Approve or decline applications within assigned limits and prepare credit analyses and loan summaries for management approval on larger requests
• Recommend appropriate payment structures, down payments, and credit terms
• Communicate with credit associations and references to verify credit information
• Communicate credit decisions and conditions clearly to remote sales representatives and customers
• Monitor accounts to ensure timely payments and identify early signs of risk
• Collaborate with Sales and internal departments to manage credit exposure
• Support Credit Processors and assist senior analysts with complex or high-dollar requests

• Bachelor's degree in Accounting, Finance, Economics, Statistics, or a related field, or an equivalent combination of education and experience
• 1–2 years of experience in credit, lending, underwriting, banking, or a related role preferred; Credit Processor or Credit Assistant experience is a plus
• Ability to read and analyze personal and business financial statements and tax returns
• Strong analytical and problem-solving skills
• Proficiency in Microsoft Office, especially Excel, and financial software systems
• Excellent written and verbal communication skills
• Ability to manage multiple priorities and meet deadlines

Physical Requirements and Work Environment

• Fully onsite role in Richland, MS during standard business hours; remote and hybrid work arrangements are not available. Occasional extended hours may be required at month-end
• Ability to sit for extended periods and work at a computer for most of the workday
• Ability to communicate by phone and email throughout the day
• Occasional lifting of up to 10 lbs (files and office supplies)

Work Authorization and Relocation

• Applicants must be authorized to work in the United States. S&G Financial is unable to sponsor or take over sponsorship of an employment visa for this position, now or in the future.
• Relocation assistance is not available for this position.

Why Join S&G Financial?

• Competitive compensation
• Affordable health benefits package
• 401(k) eligibility after 90 days
• State-of-the-art facilities
• Professional growth opportunities, including advancement to Credit Analyst

S&G Financial, Empire Truck Sales, and Stribling Equipment promote a safe and drug-free workplace. The selected candidate must successfully pass all pre-employment screenings, including a background check and drug test upon offer acceptance.

This job description is not intended to be an exhaustive list of duties, and responsibilities may change based on business needs. Nothing in this posting creates a contract of employment.

S&G Financial, Empire Truck Sales, and Stribling Equipment are Equal Opportunity Employers.