Commercial Credit Analyst & Underwriting Specialist

Wheels, Inc; Alpharetta (GA); Hybrid; USD 60,000 - 83,000; Full time

Job summary

Wheels, Inc. is seeking a seasoned credit analyst to assess prospective clients using in-depth financial analysis and to monitor risk across the client base. The role supports the sales team by refining client risk profiles and ensuring underwriting standards are met.

The candidate will prepare comprehensive credit reports, conduct due diligence, and drive scalable credit analysis processes. A hybrid onsite role with locations in Alpharetta, GA or Schaumburg, IL is available.

Qualifications

• Bachelor's degree in business or finance with commercial credit training.
• Minimum 3 years of commercial credit analysis experience.
• Thorough knowledge of credit analysis, loan/lease documentation, and related regulations.

Responsibilities

• Analyze prospective clients using fundamental financial techniques (balance sheet, income statement, cash flow).
• Prepare comprehensive credit packages with FCF analysis and capital structure assessment.
• Review loan requests and prepare detailed credit reports with recommendations.
• Coordinate cross-functional teams for reporting dashboards and monitoring.
• Perform monthly/quarterly/annual credit reviews on existing clients.

Skills

Analytical skills

Problem-solving

Communication

Negotiation

Deadline management

Relationship building

Organization

Education

Bachelor's degree in business or finance

Commercial credit training

Tools

Microsoft Office

Salesforce

Job description

Wheels, Inc. is seeking a seasoned credit analyst to assess prospective clients using in-depth financial analysis and to monitor risk across the client base. The role supports the sales team by refining client risk profiles and ensuring underwriting standards are met.

The candidate will prepare comprehensive credit reports, conduct due diligence, and drive scalable credit analysis processes. A hybrid onsite role with locations in Alpharetta, GA or Schaumburg, IL is available.