Credit Analyst II

Yamaha Motor Corporation, USA; Kennesaw (GA); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

401(k) and Profit Sharing

Medical, Dental, Vision

Wellness Program

Student Debt Repayment Benefits

Job summary

Yamaha Motor Corporation, USA invites applications for a Credit Analyst II to join our Finance team in Kennesaw, GA. The role involves due diligence, financial analysis, and structuring complex credit transactions for large Yamaha dealerships with intricate structures.

Responsibilities include conducting risk assessments, preparing credit documentation, and presenting findings to executives. You will work closely with sales and financial services to manage a broad portfolio while maintaining

Qualifications

• Bachelor's degree in Accounting/Finance/Business Administration required.
• 5+ years of commercial lending, underwriting/financial analysis experience.
• Strong analytical, communication, and presentation skills.

Responsibilities

• Conduct due diligence/risk assessment of medium/large new prospect files and financial analyses.
• Structure complex transactions and negotiate credit documentation to mitigate risk.
• Perform annual dealer reviews and assess risk to determine credit line and documentation needs.
• Provide communication between sales, financial services, and new prospects.
• Monitor portfolio for changes and determine go-forward security and documentation requirements.

Skills

Analytical skills

Communication skills

Cross-functional collaboration

Independent work

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