Senior Commercial Credit Underwriter — Portfolio Risk

Wheels, LLC; Schaumburg (IL); Hybrid; USD 110,000 - 160,000; Full time

Job summary

Wheels, LLC in Schaumburg, IL is seeking a Sr. Credit Analyst in Commercial Underwriting and Portfolio Risk to independently underwrite new and existing commercial credit exposures, through thorough financial analysis, due diligence, and thoughtful transaction structuring.

The role emphasizes cash flow analysis, risk assessment, and presenting comprehensive credit packages to executive leadership to ensure strong credit quality within risk appetite.

Qualifications

• Minimum 5 years of commercial credit underwriting/analysis experience.
• Bachelor's degree in business or finance or equivalent.
• Advanced commercial credit underwriting experience in large corporate, middle-market, asset-based lending, leveraged finance, or private credit is preferred.
• Effective communicator at all levels of the organization.
• Experience with financial modeling in Excel (Pivot tables, Lookups, Formulas) is highly preferred.
• Experience creating dashboards using Tableau or Power BI is highly preferred.

Responsibilities

• Recommend credit structures and risk mitigants, including exposure limits, guarantees, letters of credit, deposits, and terms.
• Underwrite new and existing facilities through financial analysis and due diligence.
• Conduct due diligence on prospects and clients with senior management.
• Construct and manage DCF models including sensitivities to mitigate risk.
• Present credit packages with cash flow and capital structure analysis to leadership.
• Build scalable credit analysis and monitoring processes.
• Partner with cross-functional teams on asset risk coverage and process 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.
• Other duties as assigned.

Skills

Leveraged loan/credit analysis

Credit risk scoring

Excel + AI tools

Tableau/Power BI dashboards

Time & project management

Education

Bachelor's degree in business or finance

Tools

Tableau

Power BI

Job description

Wheels, LLC in Schaumburg, IL is seeking a Sr. Credit Analyst in Commercial Underwriting and Portfolio Risk to independently underwrite new and existing commercial credit exposures, through thorough financial analysis, due diligence, and thoughtful transaction structuring.

The role emphasizes cash flow analysis, risk assessment, and presenting comprehensive credit packages to executive leadership to ensure strong credit quality within risk appetite.