• 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.

     

    REPORTING RELATIONSHIP

    • Reports to Manager Commercial Credit - Underwriting

     

    Qualifications

    Knowledge/Skills

    • Strong financial analysis and analytic/problem solving skills required, including cash flow analysis, fixed charge coverage ratio and bank statement reconciliations.
    • High level of written and oral communication skills.
    • Detail oriented.
    • Independent decision making/problem solving skills required
    • Knowledge and understanding of automotive dealership operations preferred.
    • Proficient in intermediate MS Word and Excel applications.
    • Ability to adapt to change quickly.

     

     Experience

    • 3-5 years preferred experience in financial analysis and experience in automotive dealership commercial lending environment required.
    • Bachelor’s Degree in related field preferred
    • Education may be substituted for experience

     

    WORKING CONDITIONS:

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

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