Retail Credit Analyst

AB Volvo; Greensboro, Northern (NC, KY); Hybrid; USD 63,000 - 78,000; Full time

Benefits offered by this job

Competitive medical, dental and vision

Generous paid time off

Competitive retirement matching

Job summary

Volvo Group’s Volvo Financial Services in Greensboro, NC seeks a Retail Credit Analyst to analyze, structure, negotiate, and approve financing opportunities for dealers and customers. You’ll balance sound credit practices with growth objectives, working with dealer principals, F&I managers, customers, and sales leaders to develop financing solutions for a broad range of commercial customers.

The role is on-site in Greensboro and reports to the Manager Retail Credit.

Qualifications

• Bachelor's degree preferred, or an equivalent combination of education and experience.
• Experience in credit underwriting, lending, risk management, commercial banking, equipment/consumer financing or related financial services environments.
• Strong financial analysis skills, including interpretation of financial statements, tax returns, cash flow and credit bureau data.
• Experience making or supporting credit decisions in a fast-paced environment.
• Ability to assess risk and structure transactions balancing risk and opportunity.
• Strong written, verbal, negotiation and relationship-management skills.
• Proficiency with Microsoft 365 applications, including Teams and Excel.

Responsibilities

• Analyze and underwrite commercial loan and lease transactions across industries and credit profiles.
• Evaluate customer financial statements, tax returns, cash flow, balance sheets and paynet reports.
• Structure transactions with down payments, terms, guarantor requirements and collateral.
• Partner with dealers, customers and sales teams to identify financing solutions balancing needs and risk.
• Manage a high-volume pipeline of credit requests and deliver timely, well-supported decisions.
• Present clear credit recommendations and risk assessments to Retail Credit leadership.
• Ensure compliance with KYC, OFAC, documentation, collateral perfection and credit policies.
• Participate in portfolio reviews and post-mortem analyses to identify trends and improve decisions.

Skills

Financial analysis

Credit underwriting

Negotiation

Relationship management

Education

Bachelor's degree in Finance

Accounting

Tools

MS Office

Excel

Teams

Job description

Select how often (in days) to receive an alert:

Transport is at the core of modern society. Imagine using your expertise to shape sustainable transport and infrastructure solutions for the future. If you seek to make a difference on a global scale, working with next-gen technologies and the sharpest collaborative teams, then we could be a perfect match.

At Volvo Financial Services (VFS), we do more than evaluate risk. We partner with dealers and customers to create financing solutions that help businesses grow. We're looking for credit professionals who understand that strong underwriting is not just about identifying risk, but about structuring solutions that responsibly support customer success and business growth.

If you thrive in a fast-paced credit environment, enjoy balancing risk with opportunity, and like finding ways to get deals done, we'd like to hear from you.

As part of the Volvo Group, VFS provides financing solutions supporting customers across trucking, construction, bus, and emerging e-mobility industries.

About the Role
The Retail Credit Analyst is a key business partner to our dealers, customers, and sales teams. In this role, you will analyze, structure, negotiate, and approve financing opportunities while balancing sound credit practices with business growth objectives.

You will work directly with dealer principals, F&I managers, customers, and VFS sales leaders to develop financing solutions for a broad range of commercial customers. Transactions range from straightforward requests to complex credit structures requiring in-depth financial analysis, sound judgment, and creative problem-solving.

This position is based on-site in Greensboro, NC and reports to the Manager Retail Credit.

What you will do

• Analyze and underwrite commercial loan and lease transactions across a variety of industries and credit profiles.
• Evaluate customer financial statements, tax returns, cash flow, balance sheets, income statements, PayNet reports, and personal financial statements.
• Structure transactions by determining appropriate down payments, terms, guarantor requirements, collateral support, and other risk mitigants.
• Partner with dealers, customers, and sales teams to identify financing solutions that support customer needs while maintaining acceptable risk standards.
• Manage a high-volume pipeline of credit requests and deliver timely, well-supported credit decisions.
• Present clear credit recommendations and risk assessments to Retail Credit leadership.
• Ensure compliance with Know Your Customer (KYC), OFAC, documentation, collateral perfection, and company credit policies.
• Participate in portfolio reviews and post-mortem analyses to identify trends, strengthen decision-making, and support continuous improvement.

What Makes You Successful

You enjoy evaluating complex credit situations and finding balanced solutions. You can confidently communicate credit decisions, negotiate transaction structures, and build trusted relationships with both internal and external partners. You are comfortable working in a dynamic environment where priorities shift and each day brings new learning opportunities. You can assess risk, identify mitigating factors, and leverage your judgment to make thoughtful credit recommendations.

Experience evaluating non-prime, near-prime, thin-file, start-up, or challenged-credit applicants is highly valued. We welcome candidates from a variety of lending and underwriting backgrounds who bring strong analytical skills, sound judgment, and a customer-focused approach to credit decisioning.

Qualifications

• Bachelor's degree in Finance, Business Administration, Accounting, or a related field is preferred, however applicants with an equivalent combination of education and relevant experience will also be considered.
• Experience in credit underwriting, lending, risk management, commercial banking, equipment finance, specialty finance, consumer lending, auto finance, or related financial services environments.
• Strong financial analysis skills, including interpretation of financial statements, tax returns, cash flow, and credit bureau data.
• Experience making, recommending, or supporting credit decisions in a fast-paced environment.
• Ability to assess risk, identify mitigating factors, and structure transactions that appropriately balance risk and business opportunity.
• Strong written, verbal, negotiation, and relationship-management skills.
• Proficiency with Microsoft Office 365 applications, including Teams and Excel.

At the Volvo Group, we strive for a clear, transparent, and straightforward compensation approach, motivating you to contribute to the company’s growth. For this position, the base pay is set at $63,100.00 - $77,900.00 annually, and where applicable, bonus eligible. The range for this role, as well as final salary offered, is determined by several factors including, but not limited to, geographic location, work-related knowledge, certifications, skills, education, and experience. In addition to these factors, we believe in the importance of pay equity and consider internal equity of our current team members as part of any final offer.

In addition to a solid package of compensation and benefits, plus you will enjoy:

• Competitive medical, dental and vision insurance.
• Generous paid time off.
• Competitive matching retirement savings plans.
• Working environment where your safety, health and wellbeing come first.
• Focus on professional and personal development through Volvo Group University.
• Programs that make today’s challenging reality of combining work and personal life easier.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, national origin, disability, or status as a protected veteran.

We value your data privacy and therefore do not accept applications via mail.

Who we are and what we believe in
We are committed to shaping the future landscape of efficient, safe, and sustainable transport solutions. Fulfilling our mission creates countless career opportunities for talents across the group’s leading brands and entities.

Applying to this job offers you the opportunity to join Volvo Group. Every day, you will be working with some of the sharpest and most creative brains in our field to be able to leave our society in better shape for the next generation. We are passionate about what we do, and we thrive on teamwork. We are almost 100,000 people united around the world by a culture of care, inclusiveness, and empowerment.

At Volvo Financial Services, we are working together to shape the world we want to live in. As the captive finance arm of the Volvo Group, VFS provides financial services and solutions that meet the needs of our customers’ evolving business. Through our dedication to innovation, we support society in its adoption of sustainable transport and equipment solutions. VFS is headquartered inGothenburg, Sweden, and serves Volvo Group customers and dealers in more than 50 markets.

What’s in it for you?

We offer a solid and competitive package of compensation and benefits, plus you will enjoy a diverse working environment with a culture of care and inclusion. As an investment, we support your personal development and growth to achieve your career aspirations. Volvo Financial Services is an on-site business and we understand that you might need occasional or temporary flexibility, which your leader is equipped to manage and fits well to our culture, as being together enables us to build upon our innovative and collaborative culture, as well as develop you for continued success.

Every day, Volvo Group products and services ensure that people have food on the table, children arrive safely at school and roads and buildings can be constructed. Looking ahead,we are committed to driving the transition to sustainable and safe transport, mobility and infrastructure solutions toward a net-zero society.

Joining Volvo Group, you will work with some of the world’s most iconic brands and be part of a global and leading industrial company that is harnessing automated driving, electromobility and connectivity.

Our people are passionate about what they do, they aim for high performance and thrive on teamwork and learning. Everyday life at Volvo is defined by a climate of support, care and mutual respect.

If you aspire to grow and make an impact, join us on our journey to create a better and more resilient society for the coming generations.