Senior Manager, Dealer Credit Examiner

About the role

We are seeking a senior credit risk professional to conduct independent, on-site financial reviews of automobile dealerships nationwide.

Responsibilities

• Conduct on-site financial reviews of new and existing commercial borrowers
• Review books, records, accounting systems, and bank activity for accuracy and reliability
• Analyze cash flow, liquidity, working capital, and balance sheet integrity
• Perform bank reconciliations and assess true available cash
• Identify financial weaknesses, trends, and risk indicators
• Recommend financial statement and working capital adjustments
• Prepare concise field examination and credit review reports
• Support risk grading, watchlist/criticized asset decisions
• Provide independent financial analysis for workouts, restructurings, and special situations
• Partner with Commercial Risk, Credit, and Legal while maintaining second-line independence

Requirements

• 8+ years of commercial credit, financial analysis, field exams, or risk oversight in Dealer Financial Services, Commercial Banking, Commercial Credit Review or Forensic Accounting
• Bachelor’s degree in Accounting, Finance or related field
• CPA, CFE or CFA a plus

Qualifications

• Deep understanding of cash flow, liquidity, and working capital
• Strong experience with Credit risk grading frameworks
• Clear, confident communicator with strong judgment
• Comfortable conducting borrower on-site reviews
• Experience with criticized assets or special situations a plus
• Ability to travel and conduct assessments on site at dealer locations

Skills

• Excellent analytical skills
• Strong communication and interpersonal skills
• Proficient in Microsoft Office Suite

Benefits

• Medical, dental, and vision plans with no-cost and low-cost options
• Annual employer HSA contribution
• 401(k) matching and immediate vesting
• Vehicle purchase and lease discounts, plus monthly vehicle allowances by job level
• 100% employer-paid life and disability insurance
• No-cost health and wellbeing programs, including a gym benefit
• Six weeks of paid parental leave
• Paid Volunteer Time Off, plus a company donation to a charity of your choice

Pay

The posted salary range for this job is $132,000.00 - $204,600.00. Successful candidates may be hired anywhere in the salary range based on these factors. It is uncommon to hire candidates at or near the top of the range.

Schedule

This is a full-time position with extended periods of sitting, standing, and walking, and exposure to moderate noise levels. Work is performed in an at-home and office environment.