JOB SUMMARY
The Credit Analyst plays a key role in the evaluation and approval process for new and existing franchise applicants within Choice Hotels International. This position is responsible for assessing the financial strength, creditworthiness, and overall risk profile of prospective and renewing franchisees. The analyst will review personal financial statements, credit reports, business plans, and supporting documentation to ensure alignment with Choice Hotels' financial requirements and risk tolerance.
This individual works closely with Franchise Development, Legal, and other internal teams to support timely and accurate underwriting decisions that promote sustainable franchise growth while protecting the organization from undue financial risk.
RESPONSIBILITIES
Credit & Financial Analysis
Review and analyze personal financial statements, including assets, liabilities, cash flow, tax returns, and liquidity evaluations.
Assess personal and business credit reports (e.g., Equifax, commercial credit scores) to determine applicant creditworthiness.
Review franchise applications to validate ownership structure, net worth, capital sources, and financial capacity.
Perform ratio analysis and evaluate financial stability, leverage, and overall risk indicators.
Identify potential red flags and escalate concerns following corporate credit policies.
Underwriting & Documentation
Prepare clear, well-supported credit recommendation summaries for internal approval.
Ensure all financial data, disclosures, and supporting materials are accurately documented and stored per policy.
Maintain compliance with Choice Hotels' credit review standards, franchise guidelines, and internal controls.
Conduct due diligence on funding sources, guarantors, and financial partners.
Cross-Functional Collaboration
Partner with Franchise Sales to explain financial requirements and guide applicants through the documentation process.
Collaborate with Legal, Development, and other internal teams to ensure timely progression of franchise agreements.
Communicate decisions and rationale to internal stakeholders professionally and efficiently.
Risk Management
Monitor portfolio performance indicators and assist in identifying trends across franchise applicant profiles.
Support continuous improvement of credit evaluation tools, processes, and guidelines.
Recommend adjustments or conditions to mitigate risk while supporting strategic franchise growth.
QUALIFICATIONS Employment Experience
2+ years of experience in credit analysis, financial underwriting, banking, hospitality financing, or similar role.
Technical Skills
Strong analytical skills with the ability to interpret complex financial data.
Knowledge of credit scoring, liquidity assessment, and financial statement review.
Proficiency with financial analysis tools, Microsoft Excel, and reporting systems.
Excellent written and verbal communication skills, with the ability to translate financial insights for non-financial audiences.
High attention to detail, accuracy, and organizational discipline.
Education Requirements
Bachelor's degree in Finance, Accounting, Business Administration, or related field or an equivalent combination of education and work experience.
Salary Range
The salary range for this position is $65,000 to $77,000 annually.
The pay range listed is for this position and is what Choice Hotels reasonably expects to pay. We may ultimately pay more or less than the posted range, and the range may be modified in the future. An employee's pay position within the pay range will be based on several factors including, but not limited to, relevant education, qualifications, qualifications, qualifications, certifications, experience, skills, seniority, geographic location, performance, shift, travel requirements, sales or revenue-based metrics, and business or organizational needs.
Choice prioritizes our associate wellbeing by offering a comprehensive benefits program that is both competitive and flexible to help you achieve your wellbeing goals - here are just a few:
Competitive compensation and benefits, including medical, dental, and vision coverage
Leave and paid time-off for holidays, vacation, personal, family, volunteer, sick, jury duty, bereavement, military, and religious observance
Financial benefits for retirement and health savings
Employee recognition programs
Discounts at Choice hotels worldwide
About Choice
Choice Hotels International, Inc. (NYSE: CHH), is one of the largest lodging franchisors in the world. With 7,500 hotels in 45+ countries and territories, we offer a range of high-quality lodging options in the upper upscale, upper midscale, midscale, extended stay, and economy segments. We're the hotel company for those who choose to bet on themselves - the striver, the dreamer, the entrepreneur - because that's who we are, too.
At Choice, we are united by the simple belief that tomorrow will be even better than today - for associates, our company, and our franchisees. At our worldwide corporate headquarters in North Bethesda, Maryland, at our technology center in Scottsdale, Arizona, and through our associates around the globe, every voice is heard and every idea is listened to, no matter what area of the company they come from. We are united in supporting the entrepreneurial dreams of our thousands of franchise owners, which propels us forward - giving our work at Choice a purpose larger than our business.
Our corporate office locations:
North Bethesda, MD - Located at Pike & Rose (https://pikeandrose.com/) , our worldwide headquarters is less than 15 miles from Washington, D.C., one block away from the North Bethesda Metro station, with easy access to I-495, complimentary parking, electronic charging stations, restaurants and retail.
Scottsdale, AZ - Located at the northwest corner of Loop 101, the Scottsdale office is home to our technology, eCommerce and customer service organizations, with easy access to complimentary parking, electronic charging stations, restaurants and retail.
Minneapolis, MN - Select roles are based in our Minneapolis office on Highway 394, near the intersection with Highway 100, only five minutes from downtown.
Field/Remote - Select roles designated as field/remote will require associates to work from a home office, connecting virtually with Choice team members and leadership on Zoom, with possible required travel depending on the role.
Choice's Cultural Values
Welcome and Respect Everyone | Be Bold | Be Quick | Listen | Be Curious | Show Integrity
Choice's Leadership Principles
Act with Intention | Lead with Authenticity | Grow & Deliver
