Accounting Services Associate IV

Through our dedicated associates, Conduent delivers mission-critical services and solutions on behalf of Fortune 100 companies and over 500 governments - creating exceptional outcomes for our clients and the millions of people who count on them. You have an opportunity to personally thrive, make a difference and be part of a culture where individuality is noticed and valued every day.

Job Title: Credit Analyst Location: Jamaica Department: Credit & Risk Reports To: Credit Manager / Head of Credit Employment Type: Full-Time

About North Mill Equipment Finance

North Mill Equipment Finance is a fast-growing equipment finance lender, supporting businesses across diverse industries with tailored lending solutions. We pride ourselves on our responsive service, data-driven approach, and commitment to helping our clients grow with the right equipment at the right time.

Position Summary

We are seeking a detail-oriented and analytical Credit Analyst to join our team in Jamaica. In this role, you will assess application-only credit submissions by evaluating asset loan-to-value (LTV) ratios, reviewing the personal credit of guarantors, analyzing business credit histories, and reviewing personal and business background information to support sound, fast-paced credit decisions.

Key Responsibilities

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Analyze credit applications for equipment financing using an application-only process.

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Evaluate the personal credit profiles of individual guarantors, including credit bureau reports and payment histories.

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Review business credit reports and history from sources such as D&B, Paynet, or similar.

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Conduct personal and business background checks to identify any potential credit and/or character concerns.

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Utilize public records, online searches, to verify applicant information.

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Review and assess the loan-to-value (LTV) of equipment being financed based on market data and internal guidelines.

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Concise communication with broker partners when additional information is needed to decision a transaction.

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Summarize findings and provide clear, concise recommendations to the approving authority.

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Maintain accurate credit files and ensure all documentation is captured in internal systems.

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Verify and maintain the accuracy of all data entered the system, including applicant and business names, asset classifications, and other relevant information.

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Work closely with sales and operations teams to support timely and efficient deal processing.

Qualifications

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Bachelor’s degree in Finance, Business, Economics, or a related field.

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2+ years of experience in credit analysis or underwriting, preferably in equipment finance or small-ticket commercial lending.

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Solid understanding of credit reports, scoring models, and risk assessment for both individuals and businesses.

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Familiarity with credit bureau platforms (e.g., Equifax, TransUnion) and business credit tools (e.g., D&B, Experian).

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Proficiency in Microsoft Excel and standard productivity tools.

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Strong analytical skills, attention to detail, and decision-making ability.

• Clear and professional written and verbal communication skills.
• Ability to quickly adapt to changing credit parameters influenced by market trends, portfolio performance and new initiatives.

Preferred Qualifications

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Experience with application-only lending models or automated credit decisioning platforms.

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Familiarity with various equipment types in transportation, construction, or manufacturing.

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Exposure to CRM or credit management systems (e.g., Salesforce, nCino, or similar).

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Typing Speed Requirement: 25 wpm

Conduent is an Equal Opportunity Employer and considers applicants for all positions without regard to race, color, creed, religion, ancestry, national origin, age, gender identity, gender expression, sex/gender, marital status, sexual orientation, physical or mental disability, medical condition, use of a guide dog or service animal, military/veteran status, citizenship status, basis of genetic information, or any other group protected by law.

For US applicants: People with disabilities who need a reasonable accommodation to apply for or compete for employment with Conduent may request such accommodation(s) by submitting their request through this form that must be downloaded: click here to access or download the form . Complete the form and then email it as an attachment to FTADAAA@conduent.com . You may also click here to access Conduent's ADAAA Accommodation Policy .