Credit Analyst II

Yamaha Motor Corporation, U.S.A.; Kennesaw (GA); On-site; USD 70,000 - 100,000; Full time

Benefits offered by this job

401(k) and Profit Sharing

Fertility Benefits

37.5 hour work-week

Medical, Dental, Vision

Life and AD&D Insurance

Wellness Program

Short-Term Disability Coverage

Long-Term Disability

Student Debt Repayment Benefits

Ability to borrow Yamaha product

Job summary

Yamaha Motor Corporation, USA in Kennesaw, GA seeks a Credit Analyst II to join our Finance team. You will complete customer due diligence, conduct financial analyses, and manage documentation for large Yamaha dealerships with complex structures and analysis needed.

You will structure transactions, assess risk, present findings to executives, develop tracking tools for workflow and JSOX compliance, and support portfolio risk management across the dealer network.

Qualifications

• Bachelor's degree in Accounting/Finance/Business Administration required.
• Strong analytical and financial analysis skills expected.
• Experience with credit risk assessment and lending processes preferred.

Responsibilities

• Perform due diligence and risk assessment on medium/large prospect files and documentation.
• Structure complex transactions and negotiate credit documentation to mitigate risk.
• Conduct annual dealer reviews and assess risk to determine credit lines and conditions.
• Provide internal/external communication between sales, financial services, and prospects.
• Monitor portfolio, review changes in dealers, and determine security and documentation needs.

Skills

Analytical skills

Cross-functional teamwork

Independent work

Communication skills

Presentation skills

Education

Bachelor's degree in Accounting/Finance/Business Administration

Job description

Yamaha has an excellent opportunity for a Credit Analyst II to join our Finance team in Kennesaw, GA. The Credit Analyst II completes customer due diligence in accordance with company policies and procedures, conducts research, and financial analyses, manages conditions and documentation for large new and large existing Yamaha dealerships with more complex structures and analysis needed. Conducts credit reviews to assess and mitigate risk, recommends and approves decisions that protect the interest of YMFUS, and follows conditions needed to complete deal setup or continuation.

What you'll be doing:

• Conduct due diligence/risk assessment of medium/large new prospect files, financial analysis, credit line recommendation, and documentation requirements.
• Structure complex transactions and negotiate complex credit documentation to mitigate risk appropriately.
• Complete medium and large annual dealer reviews based on company policy. Assess risk through financial analysis and operational performance, recommend credit line, conditions, and documentation needed to continue dealer relationship.
• Provide internal and external communication between sales, financial services, and new prospects.
• Work within assigned portfolio to credit review and assess significant changes to existing dealers and determine go-forward security and documentation requirements (buyouts, ownership restructuring, additional collateral). Use assigned credit authority to monitor a significant portion of the portfolio on an autonomous basis.
• Complete special reviews associated with permanent increases, temporary increases, overlines, product additions, financial triggers, and high-risk account monitoring.
• Prepare and deliver presentations to executives and external clients.
• Help develop streamlined tracking tools for workflow management and JSOX Compliance. Own buildout and day-to-day monitoring of these tools.
• Other projects, assignments, or functions in support of portfolio risk management as needed.

What you'll need to be successful:

• Bachelor's degree in Accounting/Finance/Business Administration.
• 5+ years of commercial lending, underwriting/financial analysis experience.
• Strong analytical skills.
• Cross-functional team environment skill set and ability to work independently.
• Excellent verbal, written, and interpersonal skills.
• Strong communication & presentation skills.
• Ability to effectively manage multiple priorities and work as needed to ensure deadlines are met in a fast-paced environment.
• Minimal travel required.
• Prior commercial leasing underwriting experience either in a commercial equipment finance company or a captive finance company is preferred.
• Experience working within a regulated environment.
• Experience with internal and/or external auditors.
• Experience with the development and/or maintenance of tracking tools including process workflow or compliance with internally set guidelines.

Don't meet every single requirement? Studies have shown that women and underrepresented minorities are less likely to apply to jobs unless they meet every single qualification. At Yamaha, we understand that talent comes in various forms; as such, we are dedicated to building a diverse, inclusive, and authentic workplace. If you're excited about this role but your past experience doesn't align perfectly with every qualification in the job description, we encourage you to apply anyway. You may be just the right candidate for this or other roles!

What's in it for you:

• 401(k) and Profit Sharing
• Fertility Benefits
• 37.5 hour work-week
• Medical, Dental, Vision
• Life and AD&D Insurance
• Wellness Program
• Short-Term Disability Coverage (for hourly roles)
• Long-Term Disability
• Student Debt Repayment Benefits
• Ability to borrow Yamaha product

Reports to: Department Manager

Yamaha Motor Corporation, USA is proud to be an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identify, national origin, veteran or disability or any other status protected by federal, state, or local law. We celebrate diversity and are committed to creating an inclusive environment for all employees

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