Credit Analyst
7 days ago
At Greenbrier, we do the hard work that matters. The Greenbrier Companies (NYSE:GBX) is powering the movement of products around the world as a leading designer, manufacturer and supplier of freight rail transportation equipment and services.
Greenbrier's heritage of hard work and industrial innovation is celebrated at every level of our organization. We structure our business to support teams that deliver innovative solutions for our customers while positively impacting the world around us.
Greenbrier's success begins with people. We believe in supporting our global workforce through our unwavering attention to Safety, Quality, Respect for People and Customer Satisfaction. Our IDEAL commitment is rooted in these values, which promotes Inclusion, Diversity, Equity, Access, and Leadership, creating a culture where employees are fulfilled and feel good about coming to work every day. A diverse, qualified, and engaged talent base is the key to our success.
Summary
The Credit Analyst will be an integral part of the Credit Underwriting team, supporting the leasing portfolio and reporting to the Credit Director. The Credit Analyst will assist with the underwriting and analysis of new leasing requests as well as preparation of delinquency monitoring reports. Other duties will include leasing portfolio credit compliance, preparation of preliminary credit approvals for new leasing opportunities, and periodic updating of lease portfolio credit ratings. The position requires above average attention to details, concern for the exact correctness of work, and a strong commitment to tasks completed on time.
Duties and Responsibilities
To perform this job successfully an individual must be able to perform the following essential duties satisfactorily. Other duties may be assigned to address business needs and changing business practices.
Assists in the preparation of Credit Approval Memorandums byReviewing financial data such as income statements, balance sheets, and statement of cash flows; Analyzing the nature and scope of the lessee's business, historical financial performance trends, market share, business plans, growth prospects, family tree and entity structure risk; Evaluating and assessing capital structure, debt structure, cash flow leverage, liquidity, off balance sheet and contingent liabilities, in order to make recommendations with respect to credit capacity and repayment risk.
- Primary responsibility for preparing Preliminary Credit Approvals to support new lease pricing and proposal requests.
- Assists with preparation of monthly lessee delinquency monitoring reports; interfaces directly with the collections team to gather background information on payment histories and collection efforts.
- Assists with preparation of annual renewal Credit Approval Memorandums for top tier lease relationships with preapproved lease lines.
- Primary responsibility for periodic updating of lease portfolio credit ratings.
- Coordinates the receipt of client financial statements as required by the Master Lease Agreements and Schedules.
- Updates and maintains lessee credit compliance database to document receipt of financials and recent agency credit ratings.
- Updates and maintains electronic customer files.
- Spread financial statements as needed.
Qualifications
The following generally describes requirements to successfully perform the assigned duties.
Minimum Qualifications
- A four-year undergraduate degree in business, finance, accounting, or related field.
- Two years' experience working as a credit analyst either for a commercial equipment leasing company or a commercial bank analyzing business customers.
- Must have a high level of analytical skill, understanding and ability to critically analyze borrower financial statements using accounting and finance skills.
- Strong analytical and problem-solving skills.
- Strong financial acumen and understanding of business processes to work in a collaborative cross functional environment.
- Proficient knowledge of Outlook, PowerPoint, and Excel.
- Ability to multitask in a fast-paced environment and prioritize accordingly with changes in scope, scale, or deadlines.
- Outstanding verbal and written communication skills with the ability to interact effectively with peers, team members, customers, and senior management.
- Must be a hands-on, self-directed, independent and resourceful.
- A decisive results-oriented individual who is driven and motivated with a high-level of personal accountability.
- Must be accurate and detail oriented.
Preferred Qualifications
- The completion of a formal bank commercial credit training program.
- Prior equipment leasing experience.
- Advanced skills in spreading financial statements in a commercial banking credit platform.
- Previous experience negotiating or reviewing commercial lease or loan documentation.
Work Environment and Physical Requirements
Work Environment
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Based out of global headquarters in Lake Oswego, Oregon - Hybrid.
Physical Activities and Requirements
Frequency Key
Not Applicable: Activity is not applicable to this occupation
Occasionally: Occupation requires this activity up to 33% of the time hours/day)
Frequently: Occupation requires this activity from 33% - 66% of the time (2.5: 5.5+ hours/day)
Constantly: Occupation requires this activity more than 66% of the time (5.5+ hours/day)
Working Postures
- Sit: Frequently
- Walk: Occasionally
- Bend: Occasionally
- Kneel/Squat: Not Applicable
- Crawl: Not Applicable
- Climb: Not Applicable
- Reach Forward: Occasionally
- Reach Upward: Not Applicable
- Handling/Fingering: Frequently
Lift / Carry Requirements
- 5-10 lbs: Not Applicable
- 10-25 lbs: Not Applicable
- 25-50 lbs: Not Applicable
- 50-75 lbs: Not Applicable
- 75+ lbs: Not Applicable
Push / Pull Requirements
- Up to 10 lbs: Not Applicable
- 10-25 lbs: Not Applicable
- 25-50 lbs: Not Applicable
- 50-75 lbs: Not Applicable
- 75+ lbs: Not Applicable
EOE including Vet/Disability
Click here for more information: Know Your Rights
Greenbrier makes reasonable accommodations in the application and hiring process for individuals with known disabilities, unless providing accommodation would result in an undue hardship. Any applicant believing that he or she may need reasonable accommodation for any part of the application and hiring process should contact Greenbrier Human Resources at or call us at
Email communication from The Greenbrier Companies (Greenbrier) will always come from a corporate email address that ends in or from our applicant tracking system, iCIMS, after you have created a secure account and submitted your application. During the application process, you will create a secure account in our secure applicant tracking site that ends with "-". In this portal, we will ask you to provide your contact information, past employment history, education history and other job-related information.
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