Credit Analyst II

Yamaha Motor US; Kennesaw (GA); On-site; USD 75,000 - 115,000; Full time

Benefits offered by this job

401(k) and Profit Sharing

Fertility Benefits

Life and AD&D Insurance

Wellness Program

Short-Term Disability Coverage (hourly

Long-Term Disability

Borrow Yamaha product

Job summary

Yamaha Motor US is seeking a Credit Analyst II to join the Finance team in Kennesaw, GA. You will perform due diligence, financial analyses, and credit documentation for large Yamaha dealerships, structuring complex transactions to mitigate risk.

You’ll interact with sales, financial services, and prospects, monitor portfolio risk, and develop streamlined tools for workflow and compliance. Strong analytical skills and 5+ years in lending are required.

Qualifications

• 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 manage multiple priorities in a fast-paced environment.
• Experience with regulated environments and auditors.
• Experience developing tracking tools and workflow processes.

Responsibilities

• 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.
• Complete medium and large dealer reviews based on policy; assess risk and determine credit line and conditions.
• Provide internal/external communication between sales, financial services, and new prospects.
• Credit review portfolio, assess changes to existing dealers, monitor security and documentation.
• Complete special reviews for increases, product additions, triggers, and high-risk monitoring.
• Prepare and deliver presentations to executives and external clients.
• Develop and monitor tracking tools for workflow and JSOX compliance.
• Support portfolio risk management with additional projects as needed.

Education

Bachelor’s degree in Accounting/Finance/Business Administration

Tools

JSOX Compliance

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.
• 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’talign 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

Area of Interest

Finance and Accounting

Company/ Affiliate Company:

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