Credit & Portfolio Analyst II

BetterCloud; Buffalo (NY); On-site; USD 70,000 - 100,000; Full time

Job summary

ACV Auctions is seeking an Analyst II, Credit & Portfolio to support the Floorplan Portfolio Division. The role focuses on account management, risk assessment, and proactive portfolio optimization under moderate supervision.

Collaboration across departments and with cross-functional teams is essential for ongoing process improvement and compliance. You will review accounts, gather data, prepare required documents for floorplan approvals, and implement enhancements in risk management while

Qualifications

• Bachelor’s degree in business, finance, or accounting.
• 5 years industry or related experience.
• Experience using a CRM software (preferably Salesforce).
• Knowledge of ACV Auctions products and services.

Responsibilities

• Actively and consistently support all efforts to simplify and enhance the customer experience.
• Review and assess floorplan accounts for potential risk by utilizing rubric according to business score, credit score, and other varying factors.
• Use systems to gather data and metrics to support assessments.
• Prepare, review, and submit documents required to secure floorplan accounts, including PMSI and UCC filings.
• Develop and implement solutions for continuous improvement in analysis, auditing, and managing risk related to floorplan portfolios.
• Maintain knowledge of financial best practices and federal, state, and local regulations as they apply to Floorplans and financing.
• Collect on daily NSF accounts.
• Prepare demand for payment letters on default accounts.
• Review and assess audit findings. Make recommendations for correction and risk mitigation.
• Submit default accounts to third‑party collection agencies and/or to the Auction Insurance Agency.
• Gather and distill data to provide analysis of risk exposure and mitigation to management and internal stakeholders.
• Verify dealer documentation accuracy, including financial statements and supplemental records necessary for filing.
• Perform additional duties as assigned.

Skills

Risk & Loss mitigation

Credit analysis

Data analysis

Education

Bachelor’s Degree in business, finance, or accounting

Tools

Salesforce

Job description

Who we are looking for

The Analyst II, Credit & Portfolio supports the Floorplan Portfolio Division with the assignment, management, and analysis of the portfolio in adherence to ACV Capital’s Policies. This role will have an in-depth knowledge of floorplan account management and leverage their knowledge to continuously improve the proactive portfolio management process under a moderate level of supervision. Reporting directly to the Senior Manager, Credit & Portfolio Management, the Analyst II, Credit & Portfolio will collaborate with a variety of departments and cross-functional teams within the organization.

What you will do

• Actively and consistently support all efforts to simplify and enhance the customer experience.
• Review and assess floorplan accounts for potential risk by utilizing rubric according to business score, credit score, and other varying factors.
• Use systems to gather data and metrics to support assessments.
• Prepare, review, and submit documents required to secure floorplan accounts, including PMSI and UCC filings.
• Develop and implement solutions for continuous improvement in analysis, auditing, and managing risk related to floorplan portfolios.
• Maintain knowledge of financial best practices and federal, state, and local regulations as they apply to Floorplans and financing.
• Collect on daily NSF accounts.
• Prepare demand for payment letters on default accounts.
• Review and assess audit findings. Make recommendations for correction and risk mitigation.
• Submit default accounts to third‑party collection agencies and/or to the Auction Insurance Agency.
• Gather and distill data to provide analysis of risk exposure and mitigation to management and internal stakeholders.
• Verify dealer documentation accuracy, including financial statements and supplemental records necessary for filing.
• Perform additional duties as assigned.

What you will need

• Preferred – Bachelor’s Degree in business, finance, or accounting.
• 5 years industry or related experience.
• Ability to read, write, speak, and understand English.
• Working knowledge of all ACV Auctions products and services.
• Working knowledge in various inventory finance software programs.
• Experience using a CRM software (preferably Salesforce).
• Experience in Risk & Loss mitigation.
• Prior work experience in the Auto Financial Service industry is preferred.
• Knowledge of automotive operations and/or auction experience preferred.