Credit Analyst - S&G Financial

Due to our continued growth and the strong partnership between Empire Truck Sales and Stribling Equipment, S&G Financial is seeking a highly motivated and experienced Credit Analyst to join our team. This position supports the financial operations of both organizations and plays a critical role in facilitating responsible growth across our expanding customer base. We are hiring one person for this role.

#### Location: On-site at one of our three dealership locations: Mobile, AL; St. Rose, LA (near New Orleans); or Richland, MS (corporate office near Jackson, MS).

This opportunity is ideal for a results-driven financial professional with strong analytical skills who excels in a fast-paced, high-volume environment. The successful candidate will drive sound credit decisions, manage risk exposure, and collaborate cross-functionally to support sustainable growth across both partner organizations.

Position Summary

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The Credit Analyst is responsible for evaluating credit data and financial information for individuals and businesses applying for financing for heavy equipment and commercial trucks. This role assesses risk exposure, determines creditworthiness, and supports decision-making on loan approvals, credit limits, and terms, including interest rates. The Credit Analyst prepares detailed financial analyses and credit risk reports to guide management decisions, and collaborates closely with remote sales representatives and internal departments to support customer acquisitions, dealer financing needs, and ongoing account management.

Key Responsibilities

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• Analyze clients' credit data and financial statements to assess lending risk for heavy equipment and commercial truck financing transactions
• Prepare comprehensive credit analysis reports and risk assessments to support equipment loan, lease, and dealer financing decisions
• Review client records and recommend appropriate payment struct