Sr. Credit Analyst - Commercial Underwriting and Portfolio Risk

Wheels, Inc; Schaumburg (IL); Hybrid; USD 87,000 - 122,000; Full time

Job summary

Wheels, Inc. seeks a Sr. Credit Analyst - Commercial Underwriting and Portfolio Risk to lead underwriting of credit facilities, perform financial statement analyses, and manage risk across a diverse portfolio.

The role emphasizes collaboration with senior management and cross-functional teams to strengthen credit quality. Responsibilities include building cash flow models, presenting credit packages, and developing scalable monitoring processes, with a focus on accuracy and timely

Qualifications

• 5+ years in commercial credit underwriting/analysis
• Bachelor's degree in business or finance with credit training
• Proficient in financial modeling in Excel
• Experience with Tableau or Power BI dashboards

Responsibilities

• Underwrite new and existing credit facilities through financial analysis and due diligence
• Prepare comprehensive credit packages with cash flow and capital structure reviews
• Develop scalable credit analysis and monitoring processes
• Collaborate with cross-functional teams on risk and workflow improvements
• Present findings to executive leadership

Skills

Financial statement analysis

Credit underwriting

DCF modeling

Risk assessment

Stakeholder communication

Financial analysis

Education

Bachelor's degree in business or finance

Tools

Excel

Tableau

Power BI

Job description

Job Description

Job Description: The Sr. Credit Analyst -Commercial Underwriting and Portfolio Risk role is responsible for the timely and accurate underwriting of new and existing commercial credit lines through business financial statement analysis, investigations and communications with all relevant stakeholders. This role's primary objective is to conduct detailed financial statement analysis for both public and privately held businesses, continuously manage credit exposures, and perform customer due diligence for new and existing clients to ensure that the Wheels US credit portfolio is of strong credit quality and within the established risk appetite.

KEY RESPONSIBILITIES – ESSENTIAL FUNCTIONS

• Underwrite new and existing credit facilities through financial analysis, due diligence, and review of deal terms, structure, and legal documentation
• Conduct due diligence on prospects and clients with senior management
• Construct and manage DCF (discounted cash flow) and cash flow models including sensitivity analyses to mitigate risk across diverse portfolios
• Present comprehensive credit packages including detailed free cash flow analysis, capital structure assessment, and projected asset risk coverage to executive leadership
• Build scalable and efficient credit analysis and monitoring processes
• Partner with cross-functional teams to assess projected asset risk coverage, department initiatives, system development, and workflow improvements
• Ensure accurate internal risk ratings and support portfolio management, Conduct training to assist with the development of less experienced team members
• Perform ad hoc company, industry, and portfolio analysis
• Other duties as assigned

LEADERSHIP RESPONSIBLITIES

This position’s leadership responsibilities involve demonstrating ethics and integrity, developing adaptability, displaying drive and purpose, and exhibiting leadership stature to members to key stakeholders for the origination and presentation of credit requests

COMPETENCIES - SKILLS

• Leveraged loan or private credit analysis experience including extensive financial statement analysis abilities and understanding of industry trends
• Knowledge of credit risk scoring methodologies and credit risk mitigation techniques
• Demonstrated proficiency with Excel and ability to integrate AI tools into the research and credit analysis process
• Ability to use visualization software (Tableau or Power BI) to create dashboards, preferred
• Strong time and project management skills to successfully work on multiple analytical assignments without loss in quality while meeting credit renewal timelines

EDUCATION and EXPERIENCE

• Minimum 5 years of commercial credit underwriting/analysis experience, preferably at a financial institution
• Bachelor's degree in business or finance field, in conjunction with formal credit training
• Effective communicator at all levels of the organization
• Experience with financial modeling in Excel (Pivot tables, Lookups, Formulas)
• Experience creating dashboards using Tableau or PowerBI, preferred

CORE VALUES

At Wheels, we believe in fostering a culture that is built on our Core Values and Guiding Principles. We cultivate a culture of excellence and innovation by upholding these values, driving our collective success and growth.

• Integrity – Always act with integrity and honesty.
• One Team – Treat others with dignity and respect; act as a cohesive, inclusive and accountable team that is making a difference.
• Innovation – Drive continuous improvement, spark creativity and embrace next generation thinking.
• Customer Success – Ensure that customer and driver success is at the heart of everything we do.

CULTURAL ATTRIBUTES

At Wheels, our culture guides us how we work every day, and we look for team members who show these behaviors:

• Discipline Drives Quality – Plan the Trip: Think proactively, hold a high bar, follow through by leveraging experience and systems. To produce quality outcomes, we must be intentional and deliberate in everything we do, from big bets to daily execution.
• Intellectually Curious – Fuel Your Minds: Be bold, challenge assumptions, think differently, look outside the box. Strive to unlock your own thinking and create new possibilities.
• Commit and Deliver – Own It: Take responsibility for your work, from start to finish, and be accountable for the results. Think and act like an owner of the business.
• Relationships Matter – Share the Ride: Trust is central, both with key internal and external stakeholders. Relationships are not a side effect of work but a driver of success.

JOB SPECIFICATIONS, PHYSICAL DEMANDS and WORK ENVIRONMENT

Work Environment: This position can sit in either Alpharetta, GA or Schaumburg, Ill and operates in a professional office environment.

Position Type/Standard Schedule: This is a full-time, hybrid position (Tue-Thu onsite) Monday through Friday 8a-5pm.

Travel: Minimal travel of 5% is expected for this position. (Very rare).

Physical Demands: Speak, hear, and see, and use hand and fingers for computer keyboard and phone. Sit or stand for extended periods of time. Reach above head to pull paper attachments.

DISCLAIMER

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice. Our Benefits Wheels recognizes benefits are a significant part of your employee experience, and we've created a robust benefits package that is market-leading, competitive offerings so you and your family can receive outstanding care.

Pay Range: $87,100-$121,900 The base salary range for this position is listed above. This position is eligible to participate in the annual incentive plan which is based on company performance and individual performance. Compensation ranges are based on several factors including job function, level, and geographic location. Final offer amounts are determined by multiple factors including candidate experience, education, certifications, skill level and expertise, and may vary from the amounts listed here.

EEO Statement

Wheels is a Drug-Free Workplace. All employment is contingent on successful completion of drug and background screening. Wheels is an equal opportunity affirmative action employer and administers all personnel practices without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, marital status or domestic partnership status, disability, protected veteran status or military status, genetic information, or any other category protected under applicable law. Wheels is committed to taking affirmative steps to promote the employment and advancement of minorities, women, persons with disabilities and protected veterans. Wheels Is Committed to Making Our Organization One of the Best Places to Work As one of the largest fleet management companies in North America, Wheels features a portfolio of 900,000+ vehicles under management across the continent, a global alliance in 61 countries, and a client base that consists of some of the best-known businesses in the world. No matter the industry type or business size, we’re proud to work across sales and service fleets, trucks and equipment, and last mile delivery to ensure we power your potential. The culture at Wheels is the secret to our 80+ years of success. And the reason people choose to join — and stay with — our team. When you join the team, you'll work with professionals who are passionate, friendly and smart. We foster a welcoming and inclusive environment for all, combined with the encouragement to continuously learn and grow. From day one, we invest in your long-term development through annual performance goals and reviews, educational and wellness programs, awards and celebrations, and more.

Ready to experience the Wheels culture for yourself?

10 years average employee tenure 10 times recognized as one of Chicago's Best and Brightest Companies to Work For 50+ health, wellness and engagement benefits 2,500+ online learning programs

Wheels is Invested in the Well-being of the Community and the World We Inhabit Diversity: Wheels deeply values the strength of diversity both in the communities we serve and our own employee base.

Community: We are heavily involved in the communities where we operate. We offer opportunities for employees to make a positive impact through mentorship and tutoring elementary school students, participating in blood drives, donating to United Way and other charitable organizations in the greater Chicagoland and Toronto areas.

Sustainability: Wheels is actively committed to becoming a cleaner fleet management company through recycling programs, public transportation support and more.

We Are Dedicated to the Safety and Health of our Employees

Our employees are critical to delivering on our commitment to client success, which is why we offer a variety of programs focused on the health and wellness of our people.

Wheels Fosters More Than Just Work Relationships We hire people who have a customer-focused mindset and a strong collaborative nature. Because at Wheels, customer service and teamwork don't just happen in the office. It is during the informal moments when employee trust is strengthened and friendships are made. We value these moments, which is why we host departmental contests, summer gatherings, family events, holiday celebrations and more. At Wheels, your well-being is our priority. As part of our commitment to your health and well-being, we’re proud to offer access to the Advocate Health Care Wellness Portal—a personalized platform designed to help you take charge of your health journey. The 2026 Wellness Program is designed to support you in achieving your personal health goals. Best of all, it’s flexible and fits into your busy lifestyle. This program is designed to support your overall well-being—physically, emotionally, and financially—by providing tools and incentives that encourage healthy living.