- Minimum 5 years of commercial credit analysis experience, preferably at a financial institution.
- Bachelor's degree in business or finance field, in conjunction with formal credit training.
- Effective communicator at all levels of the organization.
- Experience with SQL and utilizing the queried data to develop Tableau or Power BI dashboards.
- Perform commercial underwriting of new and existing credit facilities through the analysis of year-end and interim financial reports, account reconciliation activities, vehicle equity and aging reports, and due diligence.
- Act as a portfolio manager by interacting with clients and their accountants, controllers, or CFOs to collect information and due diligence materials necessary for credit review.
- Facilitate discussions and effectively communicate the rationale for a credit decision at the highest levels in the company (i.e. Credit Committee including CEO, CFO, and Treasurer).
- Ensure each step of the underwriting and renewal process is compliant with company and regulatory guidelines, policies, procedures and methodology.
- Manage and monitor a commercial portfolio of clients with an emphasis on customer service, risk management and financial reporting requirements.
- Establish scalable, efficient and automated processes for credit analysis and monitoring.
- Assess work procedures and expedite work flow.
- Assist with the development of internal credit risk tooling and data migration activities
- Perform ad-hoc data analysis and reporting.
- Handle ordering issues as the need arises, with the goal of managing issue to completion prior to its elevation to Management.
- Generate reporting and system queries as necessary to support credit portfolio management activities, department initiatives and processes.
- Maintain positive, cooperative working relations with Sales staff, Client Services, Purchasing and other internal and external customers.
- Other duties and responsibilities as assigned.
- Understanding of financial statements used to form a credit basis in a commercial business-to-business environment and continuously recognize industry trends and potential risks to our organization over time.
- Knowledge of credit risk scoring methodologies and credit risk mitigation techniques.
- Technical abilities include writing SQL queries and ability to use visualization software (Tableau or Power BI) to create dashboards.
- Strong time and project management skills to successfully work on multiple analytical assignments without loss in quality while meeting credit renewal timelines.
- Commits to organizational goals and objectives.
- Facilitate communication and collaboration between credit and technical teams.
- Customer focused with sense of urgency.
- Acts with integrity and professionalism.
- Works to maintain quality standards.
- Self-motivated with the ability to effectively prioritize work.
- Strong interpersonal skills with emphasis on teamwork and relationship building.
- Effective communicator at all levels of the organization
- This position can be located in either Des Plaines, IL or Alpharetta, GA. (Relocation assistance is not available).
- Flexible scheduling allows candidate to work from home with availability to meet in-person for team meetings and activities monthly
- Initial onboarding will require in-person office attendance
- Monday-Friday 8a-5pm
- Minimal travel of 5% is expected for this position.
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Senior Credit Analyst - Alpharetta, United States - Wheels, Inc.
Description
The Senior Credit Analyst is responsible for the timely and accurate underwriting of new and existing commercial credit lines through business financial statement analysis, investigations and communications with all relevant stakeholders. The Analyst's primary objective is to conduct detailed financial statement analysis for both public and privately held businesses, continuously manage credit facilities, and perform customer due diligence for new and existing clients to ensure that the Wheels US credit portfolio is of strong credit quality and within the established risk appetite.
MINIMUM REQUIRED EDUCATION & EXPERIENCE:
ESSENTIAL FUNCTIONS:
OTHER DUTIES:
CORE COMPETENCIES:
ORGANIZATION COMPETENCIES:
WORK ENVIRONMENT:
TRAVEL:
