Senior Commercial Credit Analyst

About the role

Are you a highly motivated and intellectually curious financial professional? Join our dynamic Financial Planning & Analysis Team as a Senior Commercial Credit Analyst focused on automotive commercial financial analysis and underwriting. As a key player within the Lending Team of a leading automotive F&I provider, you will collaborate closely with Sales, Leadership, and internal departments to drive sound business decisions while also managing risk in a dynamic economic environment. This is a unique opportunity to influence decision-making and contribute to our ongoing transformation efforts.

#Hybrid

Why Join Us?

• Collaborative Culture: Work in a collaborative environment where your ideas and contributions are valued.
• Professional Growth: Opportunities for professional development and career advancement.
• Impactful Work: Contribute to the company’s overall success by supporting new business acquisition and retention though the lending/advance program.
• Innovative Environment: Be part of a team that values innovation and encourages continuous improvement.
• Encouraging Team: Join an encouraging team of finance professionals who are enthusiastic about data-driven decision-making.

Responsibilities

• Commercial Underwriting: Analyze tax returns and various statements at group and individual levels (CPA, manufacturer factory, pro-forma and personal financial) to determine financial soundness and cash flow repayment ability. Review draft loan/advance agreements for accuracy and completeness.
• Deal Structure: Review JM&A customer relationship profit models, available collateral, and financial position to propose loan/advance structures that enhance relationship profitability while also ensuring adequate repayment capacity to mitigate risk. Frequent collaboration with the field sales team.
• Credit Committee Presentation: Prepare and present comprehensive credit request packages for approval. Meeting attendees include senior leadership team, sales, acquisition, and legal associates.
• Portfolio Management: Monitor performance of loans/advances once booked and collaborate with field sales team to ensure that relationships are performing as expected. Maintain a dynamic lending portfolio dashboard.
• Process Improvement: Increase productivity and efficiency by automating workflows, improving data integration, and developing standardized and customized reports, dashboards, and tools to support data-driven decision-making across the organization.

Qualifications

• Bachelor’s degree in Accounting, Finance, or a related field; MBA a plus.
• 5+ years of experience in commercial financial analysis and underwriting; automotive experience a plus.
• Solid problem-solving skills, with a natural curiosity to explore data and uncover insights.
• Outstanding attention to detail and the ability to balance multiple priorities in a dynamic environment.
• Exemplary communication and presentation skills, with the ability to simplify complex data for diverse audiences.
• Advanced proficiency in MS Excel, MS Word, and MS PowerPoint. Experience with Power BI and Power Automate a plus.
• Ability to collaborate skillfully with cross-functional teams.
• Excellent verbal and written communication and presentation skills.