Sr Dealer Commercial Analyst

Requisition ID
Employee Type
Full Time-Regular
Commercial Lending / Wholesale Lending


The Sr Commercial Credit Analyst - Underwriting completes financial analysis for floorplan acquisitions, loan proposals and renewals/modifications of existing credit lines. This includes analysis of automotive dealerships’ financial statements, accurate reporting of findings, ensuring corporate compliance and risk management, as well as contact with dealership personnel and communication with internal/external stakeholders. Provides appropriate recommendations and supporting documentation to mitigate risk.            




  • Accurately analyze complex and/or group financial statements of automotive dealerships and affiliates including, fixed charge coverage ratio, bank reconciliations, assigning accurate risk ratings and provide appropriate recommendations to mitigate risk.
  • Interfacing with customers and internal/external stakeholders to obtain data to complete analysis.
  •  Prepare accurate and concise proposals/modifications for management approval.
  • Serve as subject matter expert and mentor for team members.
  • Perform other duties as assigned.                                      



Reports to Manager Commercial Credit –Underwriting





  • Comprehensive insight and knowledge of automotive dealership operations required.
  • Thorough understanding of accounting principles required.
  • Proficient in intermediate MS Word and Excel applications.


  • Strong financial analytical skills required, including cash flow analysis, fixed charge coverage ratio and bank statement reconciliations.
  • Independent decision making/problem solving skills required.
  • Must have strong written and oral communication skills and be adept at interacting with vendors, team leaders, external customers and internal departments to coordinate and achieve results.
  • Ability to adapt to change quickly, productively manage daily workflow and organize tasks to meet tight deadlines.                        
  • Team player with strong leadership and motivational skills.
  • Detail oriented.


  • Four or more years of directly related experience in financial analysis and underwriting required.
  • Experience in automotive dealership commercial lending environment required.
  • Bachelor’s Degree in Accounting, Finance or related field required.


High energy and fast paced office subject to stressful conditions. Some travel may be required. Work schedule may include some nights, weekends, or holidays.  



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