Credit Analyst

The Credit Analyst analyzes the long-term financial viability of potential clients employing sophisticated financial analysis techniques and provide on-going portfolio analysis to monitor current client base. The position also requires the analyst to advance the sales department’s understanding of each prospective client and existing clients' risk profile to increase efficiencies in sales development. Assisting the AR group based on client collections issues and opportunities is also expected. 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.

QUALIFICATIONS

• Bachelor's degree in business or finance field, in conjunction with formal commercial credit training.
• 3-5 years of commercial credit analysis experience, preferably at a financial institution.
• Thorough knowledge of credit analysis and loan/lease documentation, including knowledge of indirect retail auto financing/leasing and other facets of commercial credit, including knowledge of credit laws and regulations.
• Experience with SQL, Python or R (or similar programming languages) and Excel/VBA is a plus.
• Effective communicator at all levels of the organization.
• Ability to develop Tableau or Power BI dashboards.

KEY RESPONSIBILITIES - ESSENTIAL FUNCTIONS

• Analyze prospective clients using fundamental financial analysis techniques, including balance sheet, income statement and cash flow measurements as well as industry factors and portfolio concentration issues.
• Establish scalable and efficient and automated processes for credit analysis and monitoring.
• Coordinate with cross-functional teams to develop financial reporting dashboards.
• Review and make appropriate decisions on business credit applications which meet acceptable underwriting standards and are compliant with company guidelines.
• Apply quantitative concepts and processes in a judgmental environment to accurately assess risk and balance with expected profitability to the Company.
• Communicate credit decisions to relevant partners and effectively negotiate to “win" desired applications.
• Research, recommend approval/decline and monitor existing clients for additional exposure.
• Perform monthly, quarterly, annual credit reviews on existing clients based on the department’s credit review procedures.
• Develop and foster relationships with the sales force.
• Maintain credit files; and request, track and analyze required financial information.
• Perform ad-hoc data analysis and reporting.
• Other duties assigned to ensure overall departmental efficiency.

LEADERSHIP RESPONSIBILITIES

• This position has no leadership responsibilities.

COMPETENCIES

• Excellent analytical and problem-solving skills.
• Strong oral - written communication skills, including the ability to interact with internal and external clients at multiple levels.
• Strong negotiation skills.
• Ability to meet deadlines, function under pressure and manage multiple tasks.
• Develop sufficient internal and external relationships that ensure volume objectives and credit quality.
• Strong organizational / time-management skills.

JOB SPECIFICATIONS, PHYSICAL DEMANDS & WORK ENVIRONMENT

• Work Environment: This position is in Alpharetta, GA or Des Plaines, IL (relocation assistance is not available)
• Position Type/Standard Schedule: This is a Full-time, hybrid position and hours of work are Monday through Friday; 8:30 a.m. to 5 p.m.
• Travel: No travel is expected for this position.
• Physical Demands: While performing the duties of this job, the employee must regularly talk and hear, and use hands and fingers to operate call center tools.