• Commercial Credit Analyst II - Underwriting

    Job Locations US-TX-Irving
    Requisition ID
    2018-31431
    Employee Type
    Full Time-Regular
    Category
    Commercial Lending / Wholesale Lending
  • Overview

    The Commercial Credit Analyst II - 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 and mitigate risk.

    Responsibilities

    JOB DUTIES

    • Accurately analyze financial statements of automotive dealerships and affiliates including fixed charged coverage ratio, bank reconciliation, 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 credit committee approval.
    • Perform other duties as assigned.
    • Conform with all corporate policies and procedures.

     

    Qualifications

    Knowledge

    • Knowledge of company policies and procedures.
    • Knowledge of dealership, fleet/commercial and indirect auto finance industry operations.
    • Knowledge of Microsoft Office.
    • Knowledge of reporting and analytics.
    • Knowledge of Salesforce.com.
    • Extensive knowledge of accounting, financial statement analysis, cash flow and dealer workout
    • Understanding of commercial lending with emphasis in captive automotive dealership financing.
    • Understanding of dealer operations.

    Skills

    • Ability to interface with all levels of management.
    • Ability to make sound business decisions based on policies and procedures.
    • Able to meet deadlines.
    • Customer service skills.
    • Detailed oriented and capable of managing multiple opportunities simultaneously.
    • Excellent analytical skills.
    • Excellent oral/written communication and interpersonal skills.
    • Must be self-motivated and able to work independently.

     

    Education

    • Bachelor’s Degree in Accounting, Finance or in related field or equivalent work experience required.

    Experience

    • 3-5 Years of directly related experience in financial analysis and experience in automotive dealership commercial lending environment; education in related field may be substituted for experience.

    Work Condition

    • Occasional overtime or split shifts may be required; subject to stressful situations; normal office environment; fast-paced office environment; strong focus on providing quality service to internal and external customers; must be able to deal with stressful office conditions while troubleshooting problems.

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