Credit Analyst - Commercial Underwriting

Wheels, Inc; Alpharetta (GA); Hybride; USD 60 000 - 83 000; Plein temps

Résumé du poste

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.

Responsabilités

• 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.

Connaissances

Analytical skills

Problem-solving

Communication

Negotiation

Deadline management

Relationship building

Organization

Formation

Bachelor's degree in business or finance

Commercial credit training

Outils

Microsoft Office

Salesforce

Description du poste

Job Description:This role analyzes the long-term financial viability of potential clients employing sophisticated financial analysis techniques and provides on-going portfolio analysis to monitor current client base. The position also requires the candidate 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.KEY RESPONSIBILITIES - ESSENTIAL FUNCTIONSAnalyze prospective clients using fundamental financial analysis techniques, including Balance Sheet, Income Statement and Cash Flow measurements as well as industry factors and portfolio concentration issuesPrepare comprehensive credit packages including detailed free cash flow analysis, capital structure assessment, and projected asset risk coverage to executive leadershipReview and make appropriate decisions on business credit applications which meet acceptable underwriting standards and are compliant with company guidelinesGather necessary documentation, conduct thorough due diligence to determine the suitability of loan requests, and prepare a detailed credit report summarizing the financial analysis, collateral position, and overall risk assessment including a recommendation for approval or denialApply quantitative concepts and processes in a judgmental environment to accurately assess risk and balance with expected profitability to the CompanyCommunicate credit decisions to relevant partners and effectively negotiate to “win\" desired applicationsPerform ad-hoc data analysis and reportingEstablish scalable and efficient and automated processes for credit analysis and monitoringCoordinate with cross-functional teams to develop financial reporting dashboardsResearch, recommend approval/decline and monitor existing clients for additional exposurePerform monthly, quarterly, annual credit reviews on existing clients based on the department’s credit review proceduresDevelop and foster relationships with the sales forceMaintain credit files and requests, track and analyze required financial informationOther duties assigned to ensure overall departmental efficiencyLEADERSHIP RESPONSIBILITIESThis position has no leadership responsibilitiesCOMPETENCIES - SKILLSExcellent analytical and problem-solving skillsStrong oral - written communication skills, including the ability to interact with internal and external clients at multiple levelsStrong negotiation skillsAbility to meet deadlines, function under pressure and manage multiple tasksDevelop sufficient internal and external relationships that ensure volume objectives and credit qualityStrong organizational / time-management skillsEDUCATION and EXPERIENCEBachelor's degree in business or finance field, in conjunction with formal commercial credit trainingMinimum 3 years of commercial credit analysis experience, preferably at a financial institutionThorough knowledge of credit analysis and loan/lease documentation, and other facets of commercial credit, including knowledge of credit laws and regulationsDemonstrated ability to communicate effectively with relationship managers and other internal stakeholders to discuss credit assessments, provide insights, and collaborate on loan decisionsStrong computer skills including proficiency in Microsoft Office + SalesforceCORE VALUESAt Wheels, we believe in fostering a culture that is built on our Core Values and Guiding Principles. We cultivate a culture of excellence and innovation by upholding these values, driving our collective success and growth.Integrity – Always act with integrity and honesty.One Team – Treat others with dignity and respect; act as a cohesive, inclusive and accountable team that is making a difference.Innovation – Drive continuous improvement, spark creativity and embrace next generation thinking.Customer Success – Ensure that customer and driver success is at the heart of everything we do.CULTURAL ATTRIBUTESAt Wheels, our culture guides us how we work every day, and we look for team members who show these behaviors:Discipline Drives Quality – 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.Intellectually Curious – Fuel Your Minds: Be bold, challenge assumptions, think differently, look outside the box. Strive to unlock your own thinking and create new possibilities.Commit and Deliver – 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.Relationships Matter – Share the Ride: Trust is central, both with key internal and external stakeholders. Relationships are not a side effect of work but a driver of success.JOB SPECIFICATIONS, PHYSICAL DEMANDS and WORK ENVIRONMENTWork Environment: This hybrid position that works onsite 3 days a week (Tue-Thur); 8a-5pm and can be in Schaumburg, Ill or Alpharetta, GA.Position Type/Standard Schedule: This is a full-time position, Monday through Friday.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 toolsDISCLAIMERPlease note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.Our BenefitsWheels recognizes benefits are a significant part of your employee experience, and we've created a robust benefits package that is market-leading, competitive offerings so you and your family can receive outstanding care. Please click here for an overview of the benefits available to you and your family.Pay Range:$59,500-$83,300The base salary range for this position is listed above. This position is eligible to participate in the annual incentive plan which is based on company performance and individual performance. Compensation ranges are based on several factors including job function, level, and geographic location. Final offer amounts are determined by multiple factors including candidate experience, education, certifications, skill level and expertise, and may vary from the amounts listed here.EEO StatementWheels is a Drug-Free Workplace. All employment is contingent on successful completion of drug and background screening.Wheels is an equal opportunity affirmative action employer and administers all personnel practices without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, marital status or domestic partnership status, disability, protected veteran status or military status, genetic information, or any other category protected under applicable law. Wheels is committed to taking affirmative steps to promote the employment and advancement of minorities, women, persons with disabilities and protected veterans.