Senior Commercial Credit Analyst — Data-Driven Auto Lending

JM&A Group; Miami, Fort Lauderdale (FL, FL); Hybrid; USD 90,000 - 130,000; Full time

Benefits offered by this job

Restaurant d'entreprise

Indemnités de stage/alternance

Job summary

JM Family Enterprises, Inc. is seeking a Senior Commercial Credit Analyst in a hybrid Miami, FL role. You will perform advanced automotive credit analysis, underwriting, and structure deals to balance profitability with risk, working closely with Sales and leadership.

The role emphasizes data-driven decision-making, dashboard development, and continuous process improvements to support the Lending Team’s strategic initiatives.

Qualifications

• Bachelor’s degree in Accounting, Finance, or related field.
• 5+ years in commercial financial analysis and underwriting; automotive experience a plus.
• Strong problem-solving and data exploration skills.
• Excellent attention to detail with multi-priority management.
• Clear communication and presentation abilities.
• Advanced MS Office & Power BI; Power Automate is a plus.

Responsibilities

• Commercial Underwriting: Analyze tax returns and various statements to assess financial soundness and cash flow.
• Review loan/advance documents for accuracy and completeness.
• Propose loan structures with collateral insights to maximize profitability and mitigate risk.
• Prepare and present credit request packages to senior leadership and stakeholders.
• Monitor loan performance and maintain a dynamic lending portfolio dashboard.
• Automate workflows and develop reports/dashboards to support data-driven decisions.

Skills

Analytical thinking

Data curiosity

Communication skills

Presentation skills

Cross-functional collaboration

Education

Bachelor’s degree in Accounting/Finance

MBA preferred

Tools

Microsoft Excel

Microsoft Word

Microsoft PowerPoint

Power BI

Power Automate

Job description

JM Family Enterprises, Inc. is seeking a Senior Commercial Credit Analyst in a hybrid Miami, FL role. You will perform advanced automotive credit analysis, underwriting, and structure deals to balance profitability with risk, working closely with Sales and leadership.

The role emphasizes data-driven decision-making, dashboard development, and continuous process improvements to support the Lending Team’s strategic initiatives.