Commercial Credit Analyst - Mt Laurel, United States - Holman Inc

Description

Holman is a family-owned, global automotive services organization anchored by our deeply rooted core values and principles that have enabled us to continue Driving What's Right throughout the last century. Our teams deliver the Holman Experience by treating our customers and each other as we would like to be treated, and creating positive, rewarding relationships all around.

The automotive markets Holman serves include fleet management and leasing; vehicle fabrication and upfitting; component manufacturing and productivity solutions; powertrain distribution and logistics services; commercial and personal insurance and risk management; and retail automotive sales as one of the largest privately owned dealership groups in the United States.

Holman is currently accepting applications for the role of Commercial Credit Analyst.

Primary Purpose of Position:

• Evaluate the creditworthiness of existing and prospective clients of Holman in the USA, Canada, Mexico, UK, and Germany.
• Analyze clients of varying sizes, including small, medium, and large commercial/private companies, as well as large public corporations.
• Review credit applications, legal documents, credit bureau reports, and publicly available information.
• Investigate the credit history of clients and prospects to inform risk assessment.
• Conduct comprehensive financial analyses, including scrutinizing financial statements (audited, reviewed, or self-prepared).
• Perform ratio analysis, trend analysis, and cash flow analysis to determine financial health and risk levels.
• Assess the degree of risk involved in credit transactions.
• Recommend appropriate deal structures based on the credit risk of the client or prospect.
• Prepare clear and concise credit write-ups with recommendations for management decision-making.
• Make credit decisions in accordance with the company's approval matrix.
• Analyze credit scorecard data and the performance of the credit portfolio.
• Create objective management reports and assist in calibrating scorecards to align with the company's risk tolerance.
• Conduct annual or frequent credit checks on portfolio clients.
• Prepare and present regular reports to management and other departments, including treasury and sales.
• Report on credit events and support administrative credit tasks.
• Support various departments with ad hoc requests related to credit processes or general information.
• Assist in reporting credit events to Treasury, Finance, Legal/Contract, and Sales.
• Analyze existing processes for efficiency and identify opportunities for risk or control improvements.
• Periodically review data fields to ensure accuracy, data integrity, and compliance with processes.
• Ensure compliance with state and federal laws, maintaining the integrity of the company's credit processes.
• Perform all other duties and special projects as assigned

Education and/or Training:

• Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field or equivalent work experience
• Additional education, certifications, or other distinctions are a plus
• Proficient in various desktop tools including MS Office Programs (i.e. Outlook, Excel, Word, PowerPoint, Project, Visio, SharePoint etc.)

Relevant Work Experience:

• 2-4 years' experience of commercial underwriting
• Familiarity with 3rd party data providers such as Experian, DNB, etc.
• Familiarity with financial software, credit scorecard systems, and data analysis tools
• Proven track record of assessing creditworthiness and managing credit portfolios
• Understanding of state and federal laws related to credit and finance
• Understanding of industry-specific credit risks, particularly in automotive or fleet and mobility services a plus
• Breadth and depth of expertise in a technical or functional area; knowledge of work processes and tools is generally limited to own area of responsibility or department
• Collecting and analyzing raw data to identify trends, patterns, anomalies, and other helpful information.
• Reviewing and improving analytics processes, methods, and tools to increase efficiency, accuracy, and security

#LI-RD1

#LI-Hybrid

At Holman, we exist to provide rewarding careers and better lives for employees and their families. We hire, train, empower, and reward exceptional people. Our journey is guided by our desire to get it right every time and the acknowledgement that we have an opportunity to be better. To be better, we have to do better, and to do better we must know better. That's why we are listening, open to learning new things - about ourselves and each other. We will never stop striving for improved diversity, equity, and inclusion because we are successful together when we feel trusted and supported. It's The Holman Way.

At Holman, your total compensation goes beyond your paycheck. To position you for success and provide a rewarding career and better life for you and your family, Holman is proud to offer you the benefits you deserve; including protection against illness, disability, loss of work, or preparation for retirement. Below is a brief overview of the programs available to full-time employees (programs may vary by country or worker type):

• Health Insurance
• Vision Insurance
• Dental Insurance
• Life and Disability Insurance
• Flexible Spending and Health Savings Accounts
• Employee Assistance Program
• 401(k) plan with Company Match
• Paid Time Off (PTO)
• Paid Holidays, Bereavement, and Jury Duty
• Paid Pregnancy/Parental leave
• Paid Military Leave
• Tuition Reimbursement

Benefits:

Regular Full-Time

We offer excellent benefits including health, vision, dental, life and disability insurance, and 401(k) with company match. Our time off benefits include Paid Time Off (PTO), paid holidays, bereavement, and jury duty. In addition, we offer paid pregnancy and parental leave, and supplemental paid military leave to eligible employees.
Click here for Washington State benefit information.

Temporary or Part-Time

In geographic areas with statutory paid sick leave, part-time and temporary employees will receive a paid sick leave benefit that meets the mandated requirements.
Click here for Washington State benefit information.

Pay:

We offer competitive wages that are commensurate with job-related skills, experience, relevant education or training, and geographic location, starting in the range of $49, $71,105.00 USD annually for full time employees. The annual compensation range is comprised of base pay earnings.

Holman provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.