Sr. (Commercial) Credit Analyst

About the role

The Senior Credit Analyst is responsible for the timely and accurate underwriting of new and existing commercial credit lines through business financial statement analysis, investigations and communications with all relevant stakeholders. The Senior Credit Analyst's primary objective is to conduct detailed financial statement analysis for both public and privately held businesses, continuously manage credit exposures, and perform customer due diligence for new and existing clients to ensure that the Wheels US credit portfolio is of strong credit quality and within the established risk appetite.

Responsibilities

• Underwrite new and existing credit facilities through financial analysis, due diligence, and review of deal terms, structure, and legal documentation
• Conduct due diligence on prospects and clients with senior management
• Create and manage DCF (discounted cash flow) and cash flow models including sensitivity analyses to mitigate risk across diverse portfolios
• Present comprehensive credit packages including detailed free cash flow analysis, capital structure assessment, and projected asset risk coverage to executive leadership
• Partner with cross-functional teams to assess projected asset risk coverage, department initiatives, system development, and workflow improvements
• Ensure accurate internal risk ratings and support portfolio management
• Perform ad hoc company, industry, and portfolio analysis
• Lead cross-functional teams in the development of scalable and efficient credit analysis and monitoring processes

Qualifications

• Minimum five (5) years of commercial credit analysis experience, preferably at a financial institution
• Bachelor's degree in business or finance field, in conjunction with formal credit training
• Formal credit training
• Effective communicator at all levels of the organization
• Experience with financial modeling in Excel
• Proficiency with Excel and ability to integrate AI tools into the research and credit analysis process
• Strong time and project management skills to successfully work on multiple analytical assignments without loss in quality while meeting credit renewal timelines

Skills

• Leveraged loan or private credit analysis experience including extensive financial statement analysis abilities and understanding of industry trends
• Knowledge of credit risk scoring methodologies and credit risk mitigation techniques
• Demonstrated proficiency with Excel and ability to integrate AI tools into the research and credit analysis process
• Ability to use visualization software (Tableau or Power BI) to create dashboards, preferred
• Strong time and project management skills to successfully work on multiple analytical assignments without loss in quality while meeting credit renewal timelines

Benefits

Minimal travel of 5% is expected for this position. (Very rare).

Pay

Compensation is commensurate with experience.

Schedule

This is a full-time, hybrid position Tue-Wed onsite) Monday through Friday 8a-5pm.

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.