Credit Analyst

2 weeks ago

Bellevue, Washington, United States PACCAR Full time
About PACCAR

PACCAR is a global leader in the commercial vehicle, financial, and customer service fields. Our company is recognized for its innovative products and services, including Kenworth, Peterbilt, and DAF trucks. We are committed to sustainability and believe that our work today makes a difference tomorrow.

Job Summary

PACCAR Financial is seeking a Credit Analyst to join our team. The successful candidate will be responsible for performing credit analysis and underwriting of potential loan and lease customers in the Western United States. This role involves working closely with our Sales Team and Dealer Network to ensure sound decision-making and promote the sale and financing of PACCAR products.

Key Responsibilities
  • Perform credit analysis on end-user financing customers, incorporating company policies, promotions, and programs into the decision-making process.
  • Review and approve, modify, or decline retail collateralized transactions within established credit authority, and communicate decisions to the dealer.
  • Responsible for timely and accurate disposition of all assigned credit proposals.
  • Makes recommendations to management on proposals beyond the analyst's credit authority.
  • Prepares fleet credit proposals for management review as assigned.
  • Actively participates in evaluating customer credit quality and ongoing financial stability.
  • Performs retail and wholesale financial analysis as assigned.
Requirements
  • 3+ years of commercial underwriting or related experience. Knowledge of credit and finance functions is a bonus.
  • Must possess strong analytical and decision-making skills.
  • Demonstrated oral communication and negotiating skills.
  • Financial statement analysis and interpretation skills.
  • Heavy equipment or commercial lending and dealer network experience are highly desired.
  • Strong business writing skills.
Benefits

As a U.S. PACCAR employee, you have a full range of benefit options, including:

  • 401k with up to a 5% company match.
  • Fully funded pension plan that provides monthly benefits after retirement.
  • Comprehensive paid time off - minimum of 10 paid vacation days (additional days are provided with additional seniority/years of service), 12 paid holidays, and sick time.
  • Tuition reimbursement for continued education.
  • Medical, dental, and vision plans for you and your family.
  • Flexible spending accounts (FSA) and health savings accounts (HSA).
  • Paid short-and long-term disability programs.
  • Life and accidental death and dismemberment insurance.
  • EAP services including wellness plans, estate planning, financial counseling, and more.
Education
  • BA/BS degree in finance, business, or related field required.
  • MBA or equivalent experience preferred.

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