Dealer Credit Analyst

Jobtailor

Charlotte (NC)

On-site

USD 70,000 - 100,000

Full time

14 days+

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Job summary

Jobtailor is seeking a Credit Analyst for automotive financing in Charlotte, NC. You will prepare and analyze credit requests, review financial statements, and provide data-driven recommendations to manage risk and ensure compliance with credit guidelines.

You will collaborate with dealers, regional managers, and legal to monitor credit lines, perform audits, and support portfolio performance in a dynamic automotive market.

Qualifications

BS/BA or 6 years of related experience.
Experience in credit analysis and automotive commercial underwriting.
Financial statement review and cash flow analysis.
Commercial lending or dealer finance experience.
Risk assessment or portfolio management experience.
Ability to collect data, establish facts, identify trends, and identify variance.
3+ years of experience in fundamental accounting and/or automotive industry commercial finance preferred.
Experience in wholesale audit preferred.
Understanding of Universal Commercial Code (UCC) preferred.
Business acumen to understand dealership operations, financial drivers, and market dynamics to assess creditworthiness and risk.
Ability to navigate complex structures, build cross-functional relationships, and influence stakeholders within a corporate environment.
Customer focus and ability to build strong relationships.
Flexibility and ability to adapt to change.
Exceptional attention to detail and problem-solving and analysis skills.
Effective teamwork and collaboration capabilities.
Must be legally authorized to work permanently in the country of posting.
Final candidate must successfully complete a criminal background check.

Responsibilities

Prepare, analyze, and submit new credit requests and file reviews to the Dealer Credit Manager.
Provide sound and reasoned credit recommendations based on established guidelines and dealership experience.
Perform monthly reviews of dealership financial statements.
Make recommendations regarding subordination, guarantees, state legal requirements, UCCs, and protective agreements.
Prepare and maintain dealer document files.
Provide daily service to DRM/RFM personnel, Region Managers, dealer personnel, and management regarding credit files, system issues, approvals, contingencies, documentation, and financial statements.
Review wholesale inventory and book audits and recommend actions on audit issues and exceptions.
Communicate with dealer personnel throughout the credit request and maintenance process, including monthly financial statement reviews.
Continuously monitor borrowers, financial performance, and payment of credit lines.
Communicate regularly with dealer principals/owners, CFOs, field sales, credit management, and legal counsel.

Skills

Credit Recommendations

Cash Flow Analysis

Portfolio Management

Wholesale Audit

Data Collection

Trend Identification

Variance Analysis

Accounting

Automotive Commercial Underwriting

Dealer Finance

Customer Focus

Relationship Building

Flexibility

Attention to Detail

Problem-Solving

Education

BS/BA or 6 years of related experience

Job description

Responsibilities

Prepare, analyze, and submit new credit requests and file reviews to the Dealer Credit Manager
Provide sound and reasoned credit recommendations based on established guidelines and dealership experience
Perform monthly reviews of dealership financial statements
Make recommendations regarding subordination, guarantees, state legal requirements, UCCs, and protective agreements
Prepare and maintain dealer document files
Provide daily service to DRM/RFM personnel, Region Managers, dealer personnel, and management regarding credit files, system issues, approvals, contingencies, documentation, and financial statements
Review wholesale inventory and book audits and recommend actions on audit issues and exceptions
Communicate with dealer personnel throughout the credit request and maintenance process, including monthly financial statement reviews
Continuously monitor borrowers, financial performance, and payment of credit lines
Communicate regularly with dealer principals/owners, CFOs, field sales, credit management, and legal counsel

Requirements

BS/BA and preferably 2-4 years of relevant experience, or 6 years of relevant experience in lieu of degree
Experience in credit analysis and automotive commercial underwriting
Financial statement review and cash flow analysis
Commercial lending or dealer finance experience
Risk assessment or portfolio management experience
Ability to collect data, establish facts, identify trends, and identify variance
3+ years of experience in fundamental accounting and/or automotive industry commercial finance preferred
Experience in wholesale audit preferred
Understanding of Universal Commercial Code (UCC) preferred
Business acumen to understand dealership operations, financial drivers, and market dynamics to assess creditworthiness and risk
Ability to navigate complex structures, build cross-functional relationships, and influence stakeholders within a corporate environment
Customer focus and ability to build strong relationships
Flexibility and ability to adapt to change
Exceptional attention to detail and problem-solving and analysis skills
Effective teamwork and collaboration capabilities
Must be legally authorized to work permanently in the country of posting
Final candidate must successfully complete a criminal background check

Core Competencies

Demonstrates expertise in credit analysis, financial statement review, and risk assessment within the automotive finance sector. Proficient in building relationships and providing sound credit recommendations based on dealership operations and market dynamics.

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