Credit Analyst II

Yamaha Motor Finance Corporation; Kennesaw (GA); Hybrid; USD 65,000 - 90,000; Full time

Benefits offered by this job

401(k) and Profit Sharing

Fertility Benefits

Life and AD&D Insurance

Wellness Program

Job summary

Yamaha Motor Finance Corporation in Kennesaw, GA seeks a Credit Analyst II to join the Finance team. The role completes customer due diligence, conducts financial analyses, and manages documentation for large Yamaha dealerships with complex structures.

Responsibilities include risk assessment, credit line recommendations, complex transaction structuring, and presenting findings to executives. Collaboration with sales and financial services is essential, with growth opportunities within a

Qualifications

• Bachelor's degree required in Accounting/Finance/Business Administration.
• Minimum 5+ years in commercial lending, underwriting or financial analysis.
• Strong analytical and communication abilities.
• Ability to work independently and in cross-functional teams.
• Experience with regulated environments and audit considerations.

Responsibilities

• Conduct due diligence, risk assessment, financial analysis and credit line recommendations.
• Structure complex transactions and negotiate credit documentation.
• Perform annual dealer reviews and assess risk for continued relationships.
• Coordinate internal/external communications among sales, financial services and prospects.
• Monitor portfolio, assess changes, and determine security/documentation needs.
• Prepare special reviews for increases, product additions and high-risk accounts.
• Deliver presentations to executives and external clients.
• Develop and maintain workflow tools and JSOX compliance tracking.
• Engage in other portfolio risk management projects as needed.

Skills

Analytical skills

Cross-functional teamwork

Communication skills

Education

Bachelor's degree in Accounting/Finance/Business Administration

Job description

Yamaha has an excellent opportunity for a Credit Analyst IIto 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.
• Ability to effectively manage multiple priorities and work as needed to ensure deadlines are met in a fast-paced environment.
• 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’tmeet 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;assuch,we are dedicated to building a diverse, inclusive,and authentic workplace. Ifyou’reexcited about this role but yourpast experiencedoesn’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’sin it for you:

• 401(k) and Profit Sharing
• Fertility Benefits
• Life and AD&D Insurance
• Wellness Program
• Short-Term Disability Coverage (for hourly roles)
• Long-Term Disability
• 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, genderidentify, 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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Area of Interest

Finance and Accounting

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