Senior Commercial Credit Analyst: Underwriting & Risk

WEX, Inc.; United States; On-site; USD 64,000 - 79,000; Full time

Benefits offered by this job

Health, dental and vision insurance

Retirement savings plan

Paid time off

Health savings account

Flexible spending accounts

Life insurance

Disability insurance

Tuition reimbursement

Job summary

WEX, Inc. in the United States seeks a Credit Analyst to provide advanced credit and financial analysis to support the Commercial Credit Risk function.

You will communicate decisions to leadership, sales, and customers and play a key role in underwriting and credit reviews. Responsibilities include reviewing public and large private company data, utilizing third-party reports, and preparing comprehensive credit packages for the Loan Committee.

Qualifications

• Advanced level of understanding/interpreting various financial statement types.

Responsibilities

• Underwriting: Perform advanced financial / risk analysis for commercial credit lending on our existing customer portfolio with credit limits >$150K
• Underwriting: Utilize commercial credit reports and other third party data to make credit decisions relative to credit applications in accordance with approved credit policy and established procedures
• Underwriting: Approve/decline credit requests within personal credit authority
• Credit Reviews: Perform financial / credit risk analysis of public and large private companies based upon risk alerts or credit review schedules
• Credit Reviews: Utilize intermediate to advanced credit risk analysis methodologies to make complex credit decisions related to account credit line increases, decrease, or loss mitigation strategies
• Credit Reviews: Determines the credit worthiness of all accounts not scored by models, and makes those decisions based on broad-based knowledge of practices and industry standards
• Credit Reviews: Prepare and present complete and accurate credit packages for management and the Bank Loan Committee recommending and supporting credit decisions
• Credit Reviews: Recommend improvements to strategy, policy and procedures
• Customer Service & Other: Resolve complex credit problems with internal/external customers
• Customer Service & Other: Assist and respond to customers with requests, questions and complaints regarding their accounts via both email and client meetings.
• Customer Service & Other: Communicate with customers, relationship managers, and/or bank reference to gather required information
• Customer Service & Other: Perform additional projects and tasks as assigned by the credit manager.

Skills

Credit risk analysis

Financial analysis

Communication

Excel

Credit reports interpretation

D&B

Equifax

Education

Bachelor of Science in accounting, business, or finance

High School Diploma

Tools

D&B

Equifax

Job description

WEX, Inc. in the United States seeks a Credit Analyst to provide advanced credit and financial analysis to support the Commercial Credit Risk function.

You will communicate decisions to leadership, sales, and customers and play a key role in underwriting and credit reviews. Responsibilities include reviewing public and large private company data, utilizing third-party reports, and preparing comprehensive credit packages for the Loan Committee.