Senior Commercial Credit Underwriter & Cash Flow Analyst

Wheels, Inc.; Alpharetta (GA); Hybrid; USD 87,000 - 122,000; Full time

Job summary

Wheels, Inc. seeks a Senior Commercial Credit Underwriter to lead underwriting of new and existing credit facilities through financial statement analysis and due diligence.

You will build DCF models, assess cash flows, and present credit packages to executive leadership in a hybrid environment in Alpharetta/Schaumburg. The role requires five or more years of commercial credit underwriting, a finance-related degree, and strong communication.

Qualifications

• Five (5)+ years of commercial credit underwriting/analysis experience
• Bachelor’s degree in business or finance with formal credit training
• Effective communicator at all levels of the organization
• Experience with financial modeling in Excel

Responsibilities

• Underwrite new and existing credit facilities through financial analysis and due diligence
• Conduct due diligence on prospects and clients with senior management
• Construct and manage DCF models including sensitivity analyses
• Present comprehensive credit packages to executive leadership
• Build scalable credit analysis and monitoring processes
• Partner with cross-functional teams to assess asset risk coverage and workflow improvements
• Ensure accurate internal risk ratings and support portfolio management
• Conduct training to develop less experienced team members
• Perform ad hoc company, industry, and portfolio analyses

Skills

Credit analysis

DCF modeling

Excel

Tableau/Power BI

AI tools integration

Credit risk scoring

Portfolio management

Education

Bachelor's degree in business or finance

Formal credit training

Tools

Excel

Tableau

Power BI

Job description

Wheels, Inc. seeks a Senior Commercial Credit Underwriter to lead underwriting of new and existing credit facilities through financial statement analysis and due diligence.

You will build DCF models, assess cash flows, and present credit packages to executive leadership in a hybrid environment in Alpharetta/Schaumburg. The role requires five or more years of commercial credit underwriting, a finance-related degree, and strong communication.