Credit Specialist

Build the Future with Us — EquipmentShare is Hiring a Credit Specialist At EquipmentShare, we’re not just filling a role — we’re assembling the best team on the planet to build something that’s never been built before. We’re on a mission to transform an industry that’s been stuck in the past by empowering contractors and communities through innovative technology, real-time support, and a team that truly cares. We’re hiring a Credit Specialist at our Corporate Headquarters in Columbia, MO and we’re looking for someone who’s ready to grow with us, bring energy and drive to their work, and help us build the future of construction. The Credit Specialist will oversee the entire credit review and approval process for prospective customers across EquipmentShare’s rental, sales, and Forge & Build (materials) business lines. They will approve, make recommendations, and make the final lending decision for customers. They will conduct comprehensive credit analyses and gather, review, analyze, and record various documents and information to thoroughly evaluate a customer’s credit. Monday–Friday, 10:00 AM – 7:00 PM Central Time. The credit team operates 6:00 AM – 7:00 PM Central Time, Monday–Friday. Participate in the credit team’s on-call rotation, providing coverage for one weekend every eight weeks. Primary Responsibilities - Review credit applications for all EquipmentShare customers across the rental, sales, and Forge & Build (materials) business lines. - Retain and organize all credit review documentation, including the scorecards used to determine customer credit limits, to ensure records are complete, accurate and readily accessible for compliance purposes. - Oversee the verification process for all renters, including verifying name and other pertinent information with the state. - Champion the credit report pull process, including running customer credit through third-party credit verification systems and ensuring reports are successfully pulled, documented and analyzed. - Review business credit reports from third-party credit vendors (Dun & Bradstreet, Creditsafe, and Equifax) and determine the need for a Personal Guarantor. - Communicate, collaborate and work closely with the Credit Manager on a daily basis to ensure all credit reports are sound and thorough reviews are completed. - Use various tools and programs to complete the credit review process, such as Retool, JotForm, Dun & Bradstreet, Creditsafe, Equifax, and ES Admin. - Communicate and collaborate regularly with branch staff, including General Managers (GMs), Territory Account Managers (TAMs), and District Sales Managers (DSMs), to share credit decisions and limits, resolve questions, and support timely customer onboarding. - Answer and respond to incoming phone calls from branch staff, including GMs, TAMs, and DSMs, providing timely, accurate and professional support on credit status, limits and onboarding questions. - Onboard customers into the appropriate systems for their line of business, including ES Admin and Bistrack (Forge & Build). - Identify, evaluate and determine the correct next steps following potential credit quality issues in order to minimize risk and loss to the company. - Perform other tasks and projects as assigned by management. Why EquipmentShare? Because we do things differently — and we think you’ll feel it from day one. We’re a people-first company powered by cutting-edge technology. That means our proprietary T3 platform doesn’t just run our business — it also makes your job easier, safer, and more connected. Whether you’re behind the wheel, under the hood, leading a branch, or closing deals — tech supports you, and you drive us forward. We’re a team of problem-solvers, go-getters, and builders. And we’re looking for teammates who take pride in doing meaningful work and want to be part of building something special. Perks & Benefits - Competitive compensation - Full medical, dental, and vision coverage for full-time employees - Generous PTO + paid holidays - 401(k) + company match - Gym membership stipend + wellness programs (earn PTO and prizes!) - Company events and quarterly team activities - 16 hours of paid volunteer time per year — give back to the community you call home - Career advancement, leadership training, and professional development opportunities About You You want to be part of a team that’s not just changing an industry for the sake of change — we’re transforming it to make it safer, more secure, and more productive. You bring grit, heart, and humility to your work, and you’re excited about the opportunity to grow within a fast-paced, mission-driven environment. We’re looking for people who: - See challenges as opportunities - Embrace change and continuous improvement - Bring energy, effort, and optimism every day Skills & Qualifications - Ability to work under pressure in a fast-paced, ever-changing environment while producing thorough, accurate work and meeting deadlines. - Possess analytical thinking skills. - Experience working with liens is preferred. - Knowledgeable in the fields of economics, accounting and finance, and capable of analyzing risk. - Excellent communication skills, both written and verbal. Education and Experience: - High School Diploma, Equivalent Education or Experience required. - Bachelor's degree, preferred. - At least 2 years of work experience in credit analysis, finance and/or lending. Physical Requirements: - Must be able to sit for prolonged periods at a desk and work on a computer. A Workplace For All At EquipmentShare, we believe the best solutions come from a team that reflects the world around us. Our initiative — A Workplace For All — is rooted in the belief that we must work together to solve some of the toughest problems in construction. That means attracting, developing, and retaining great people from all walks of life. We value different backgrounds, talents, and perspectives. We want you to feel like you belong here — because you do. EquipmentShare is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, national origin, disability, or status as a protected veteran. Employment is contingent on passing a background check. Additionally, some roles require passing a drug test, depending on the job responsibilities.