Commercial Credit Analyst II - Underwriting

Responsibilities

• Analyze the financial performance and creditworthiness of automotive dealerships
• Prepare credit recommendations and support lending decisions
• Mitigate risk and deliver accurate credit proposals
• Interface with customers and internal/external stakeholders to obtain data
• Prepare accurate and concise proposals/modifications for credit committee approval

Qualifications

• Advanced knowledge of credit underwriting
• Extensive knowledge of accounting, financial statement analysis, cash flow, and dealer workout
• Knowledge of dealership, fleet/commercial, and indirect auto finance industry operations
• Knowledge of Microsoft Office, reporting, and analytics
• Knowledge of Salesforce.com
• Understanding of commercial lending with emphasis in captive automotive dealership financing
• Understanding of dealer operations
• Ability to interface with all levels of management
• Ability to make sound business decisions based on policies and procedures
• Able to meet deadlines
• Customer service skills
• Detailed oriented and capable of managing multiple opportunities simultaneously
• Excellent analytical skills
• Excellent oral/written communication and interpersonal skills
• Self-motivated and able to work independently
• High energy and fast-paced environment subject to stressful situations
• Hybrid work arrangement, allowing work from the office and remotely

Additional Knowledge and Skills

• Working effectively within an AI enabled environment
• Ability to use AI tools (e.g., Microsoft Copilot) to support daily work
• Experience integrating AI into workflows to improve efficiency or insights
• Familiarity with AI assisted research, summarization, and content generation
• Understanding of responsible AI use, including ethics and data protection