Wheels
SrCreditAnalyst
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“Sr Credit Analyst at Wheels. Skills: commercial credit analysis, financial statement analysis, credit risk scoring methodologies, credit risk mitigation techniques, Python, R, SQL, Tableau, Power BI. timely and accurate underwriting of new and existing commercial credit lines. business financial statement analysis”
What You'll Achieve.
ensure that the Wheels US credit portfolio is of credit quality and within the established risk appetite; produce quality outcomes
Industry & Context.
Assess work procedures and expedite workflow; Assist with the development of internal credit risk tooling and data migration activities; Perform ad-hoc data analysis and reporting; Handle ordering issues as the need arises, with the goal of managing issue to completion prior to its elevation to Management
Minimal travel of 5% is expected, Speak, hear, and see, and use hand and fingers for computer keyboard and phone., Sit or stand for extended periods of time., Reach above head to pull paper attachments., All employment is contingent on successful completion of drug and background screening.
What They're Looking For.
Must Have
Minimum five (5) years of commercial credit analysis experience, Bachelor's degree in business or finance field, formal credit training, Proficiency with Python or R (or similar programming languages), Proficiency with Excel/VBA, Effective communicator at all levels of the organization, Experience with SQL, utilizing the queried data to develop Tableau or Power BI dashboards
Nice to Have
preferably at a financial institution
What You'll Do.
timely and accurate underwriting of new and existing commercial credit lines
business financial statement analysis
investigations and communications with all relevant stakeholders
detailed financial statement analysis for both public and privately held businesses
continuously manage credit facilities
perform customer due diligence for new and existing clients
ensure that the Wheels US credit portfolio is of credit quality and within the established risk appetite
Perform commercial underwriting of new and existing credit facilities through the analysis of year-end and interim financial reports
account reconciliation activities
vehicle equity and aging reports
Act as a portfolio manager by interacting with clients and their accountants
or CFOs to collect information and due diligence materials necessary for credit review
Facilitate discussions and effectively communicate the rationale for a credit decision at the highest levels in the company (i. e.
Credit Committee including CEO
Ensure each step of the underwriting and renewal process is compliant with company and regulatory guidelines
procedures and methodology
efficient and automated processes for credit analysis and monitoring
Coordinate with cross-functional teams to create automated financial reporting dashboards
Assess work procedures and expedite workflow
Assist with the development of internal credit risk tooling and data migration activities
Perform ad-hoc data analysis and reporting
Handle ordering issues as the need arises
with the goal of managing issue to completion prior to its elevation to Management
Generate reporting and system queries as necessary to support credit portfolio management activities
department initiatives and processes
cooperative working relations with Sales staff
Purchasing and other internal and external customers
How You'll Work.
Team & Collaboration
communications with all relevant stakeholders; Facilitate discussions and effectively communicate the rationale for a credit decision at the highest levels in the company (i. e. , Credit Committee including CEO, CFO, and Treasurer); Coordinate with cross-functional teams to create automated financial reporting dashboards; Maintain positive, cooperative working relations with Sales staff, Client Services, Purchasing and other internal and external customers; Treat others with dignity and act as a cohesive, inclusive and accountable team that is making a difference; Trust is central, both with key internal and external stakeholders
Communication Scope
communications with all relevant stakeholders; Facilitate discussions and effectively communicate the rationale for a credit decision at the highest levels in the company; Effective communicator at all levels of the organization
Process & Methodology
time and project management skills to successfully work on multiple analytical assignments without loss in quality while meeting credit renewal timelines, 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., 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.
Full Job Description
## ## ## **Job Description:** 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 Analyst's primary objective is to conduct detailed financial statement analysis for both public and privately held businesses, continuously manage credit facilities, 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. **KEY RESPONSIBILITIES - ESSENTIAL FUNCTIONS:** * Perform commercial underwriting of new and existing credit facilities through the analysis of year-end and interim financial reports, account reconciliation activities, vehicle equity and aging reports, and due diligence * Act as a portfolio manager by interacting with clients and their accountants, controllers, or CFOs to collect information and due diligence materials necessary for credit review * Facilitate discussions and effectively communicate the rationale for a credit decision at the highest levels in the company (i.e., Credit Committee including CEO, CFO, and Treasurer) * Ensure each step of the underwriting and renewal process is compliant with company and regulatory guidelines, policies, procedures and methodology * Establish scalable, efficient and automated processes for credit analysis and monitoring * Coordinate with cross-functional teams to create automated financial reporting dashboards * Assess work procedures and expedite workflow * Assist with the development of internal credit risk tooling and data migration activities * Perform ad-hoc data analysis and reporting * Handle ordering issues as the need arises, with the goal of managing issue to completion prior to its elevation to Management * Generate reporting and system queries as necessary to support credit portfolio management activ
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