Credit Analyst

CRG; Greensboro (NC); Vor Ort; USD 55.000 - 85.000; Vollzeit

Zusammenfassung

CRG in Greensboro, NC seeks a Retail Credit Analyst to evaluate risk, underwrite commercial loan and lease transactions, and structure financing that supports growth. You will manage a high-volume pipeline and communicate decisions clearly with dealers and internal partners.

The ideal candidate has experience in credit underwriting or financial analysis, strong negotiation and relationship-management skills, and the ability to make sound decisions with partial information in a fast-paced

Qualifikationen

• Experience in credit underwriting, lending, risk management in financial services.
• Strong understanding of credit analysis, financial statements, cash flow, and credit risk evaluation.
• Experience making or supporting credit approval/decline decisions.
• Ability to evaluate risk and structure financing solutions.
• Strong negotiation skills and ability to communicate credit decisions.

Aufgaben

• Analyze, underwrite, structure, approve, or decline commercial loan/lease transactions from small to mid-range (up to $300,000).
• Evaluate financial statements, tax returns, cash flow, balance sheets, credit reports and other docs for creditworthiness.
• Make independent credit decisions balancing risk and growth.
• Structure financing considering down payments, loan terms, collateral, guarantors, and risk mitigation.
• Communicate and negotiate financing options with dealers, customers, sales reps, and internal partners.
• Develop and maintain relationships with dealers, inside sales teams, and stakeholders.
• Manage a high-volume credit application pipeline with timely, well-supported decisions.
• Communicate approvals/declines and alternative financing solutions professionally.
• Ensure compliance with internal policies, KYC, OFAC, and lending regulations.
• Participate in portfolio reviews, risk assessments, and process improvements.

Kenntnisse

Credit underwriting

Financial analysis

Risk assessment

Deal structuring

Negotiation

Communication

Time management

Relationship management

MS Excel

Portfolio oversight

Ausbildung

Bachelor's degree in Finance, Accounting, Business Administration, or related field (preferred)

Tools

Salesforce

Power BI

Credit risk analysis tools

Microsoft Excel

Jobbeschreibung

Our client, a global leader in commercial financing solutions, is seeking a Retail Credit Analyst to join its team in Greensboro, NC. This position offers an exciting opportunity for a credit professional who enjoys evaluating risk, making independent credit decisions, and developing creative financing solutions that support business growth.

The ideal candidate will bring experience in credit underwriting, lending, or financial analysis, along with strong communication, negotiation, and relationship-management skills. This individual must be comfortable making informed decisions in a fast-paced environment, even when working with incomplete information.

Responsibilities

• Analyze, underwrite, structure, approve, or decline commercial loan and lease transactions, primarily ranging from smaller financing requests under $100,000 to transactions up to approximately $300,000.
• Evaluate financial statements, tax returns, cash flow, balance sheets, credit reports, and other financial documentation to assess creditworthiness and lending risk.
• Make independent credit decisions while balancing risk management with business growth opportunities.
• Structure financing transactions by evaluating down payments, loan terms, collateral, guarantor requirements, and other risk mitigation strategies.
• Communicate and negotiate directly with dealers, customers, sales representatives, and internal business partners regarding financing options and credit decisions.
• Develop and maintain strong relationships with external dealers, inside sales teams, and other key stakeholders.
• Manage a high-volume pipeline of credit applications while ensuring timely, accurate, and well-supported decisions.
• Effectively communicate credit approvals, declines, and alternative financing solutions through professional written and verbal communication.
• Ensure compliance with internal credit policies, Know Your Customer (KYC), OFAC, and applicable lending regulations.
• Participate in portfolio reviews, risk assessments, and process improvement initiatives.

Qualifications

• Experience in credit underwriting, lending, risk management, commercial banking, equipment finance, specialty finance, consumer lending, auto finance, or a related financial services environment.
• Strong understanding of credit analysis, financial statements, cash flow, and credit risk evaluation.
• Experience making, recommending, or supporting credit approval and decline decisions.
• Ability to evaluate risk, identify mitigating factors, and structure financing solutions.
• Strong negotiation skills and the ability to confidently communicate credit decisions to internal and external stakeholders.
• Excellent verbal and written communication skills, including professional phone presence and email etiquette.
• Strong decision-making abilities, including the confidence to make sound judgments when complete information is not available.
• Exceptional time management, organization, and multitasking skills in a fast-paced environment.
• Proficiency in Microsoft Office applications, including Excel and Teams.
• Bachelor's degree in Finance, Accounting, Business Administration, or a related field preferred; equivalent relevant experience will also be considered.

Preferred Qualifications

• Experience underwriting commercial loans, equipment financing, or automotive financing transactions.
• Experience evaluating near-prime, non-prime, thin-file, start-up, or challenged-credit applicants.
• Familiarity with Salesforce, Power BI, credit risk analysis platforms, collateral evaluation tools, or financial reporting systems.
• Experience working directly with dealerships, financing partners, or sales teams.
• Demonstrated ability to negotiate financing structures and identify alternative solutions for challenging credit scenarios.