Commercial Credit Analyst

About the role

This role analyzes the long-term financial viability of potential clients using sophisticated financial analysis techniques and provides ongoing portfolio analysis to monitor the current client base. The position also advances the sales department’s understanding of each prospective client and existing clients' risk profiles to increase efficiencies in sales development. Additionally, the analyst assists the Accounts Receivable group based on client collections issues and opportunities.

Responsibilities

• Analyze prospective clients using fundamental financial analysis techniques, including Balance Sheet, Income Statement, and Cash Flow measurements, as well as industry factors and portfolio concentration issues.
• Review and make appropriate decisions on business credit applications that meet acceptable underwriting standards and comply with company guidelines.
• Gather necessary documentation, conduct thorough due diligence to determine the suitability of loan requests, and prepare a detailed credit report summarizing the financial analysis, collateral position, and overall risk assessment, including a recommendation for approval or denial.
• Apply quantitative concepts and processes in a judgmental environment to accurately assess risk and balance it with expected profitability to the company.
• Communicate credit decisions to relevant partners and effectively negotiate to "win" desired applications.
• Perform ad-hoc data analysis and reporting.
• Establish scalable, efficient, and automated processes for credit analysis and monitoring.
• Coordinate with cross-functional teams to develop financial reporting dashboards.
• Research, recommend approval/decline, and monitor existing clients for additional exposure.
• Perform monthly, quarterly, and annual credit reviews on existing clients based on the department’s credit review procedures.
• Develop and foster relationships with the sales force.
• Maintain credit files and requests, track and analyze required financial information.
• Perform other duties assigned to ensure overall departmental efficiency.

Skills

• Excellent analytical and problem-solving skills.
• Strong oral and written communication skills, including the ability to interact with internal and external clients at multiple levels.
• Strong negotiation skills.
• Ability to meet deadlines, function under pressure, and manage multiple tasks.
• Develop sufficient internal and external relationships that ensure volume objectives and credit quality.
• Strong organizational and time-management skills.

Requirements

• Bachelor's degree in business or finance field, in conjunction with formal commercial credit training.
• Minimum 3 years of commercial credit analysis experience, preferably at a financial institution.
• Thorough knowledge of credit analysis and loan/lease documentation, and other facets of commercial credit, including knowledge of credit laws and regulations.
• Demonstrated ability to communicate effectively with relationship managers and other internal stakeholders to discuss credit assessments, provide insights, and collaborate on loan decisions.
• Strong computer skills including proficiency in Microsoft Office and Salesforce.

Core Values

• Integrity – Always act with integrity and honesty.
• One Team – Treat others with dignity and respect; act as a cohesive, inclusive, and accountable team that is making a difference.
• Innovation – Drive continuous improvement, spark creativity, and embrace next-generation thinking.
• Customer Success – Ensure that customer and driver success is at the heart of everything we do.

Cultural Attributes

• Discipline Drives Quality – Plan the Trip: Think proactively, hold a high bar, follow through by leveraging experience and systems. To produce quality outcomes, we must be intentional and deliberate in everything we do, from big bets to daily execution.
• Intellectually Curious – Fuel Your Minds: Be bold, challenge assumptions, think differently, look outside the box. Strive to unlock your own thinking and create new possibilities.
• Commit and Deliver – Own It: Take responsibility for your work, from start to finish, and be accountable for the results. Think and act like an owner of the business.
• Relationships Matter – Share the Ride: Trust is central, both with key internal and external stakeholders. Relationships are not a side effect of work but a driver of success.

Schedule

This is a full-time, hybrid position that works onsite 3 days a week (Tuesday through Thursday), 8 AM to 5 PM, and can be located in Schaumburg, IL or Alpharetta, GA.