• Sr Commercial Credit Analyst - Underwriting

    Job Locations US-TX-Irving
    Requisition ID
    2018-33313
    Employee Type
    Full Time-Regular
    Category
    Commercial Lending / Wholesale Lending
  • Overview

    ​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.  

    Responsibilities

    JOB DUTIES

    • 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.
    • Support management staff in delivering training to department.
    • Perform other duties as assigned.
    • Conform with all corporate policies and procedures.

     

    Qualifications

    Knowledge

    • Advanced knowledge of credit underwriting
    • Extensive knowledge of accounting, financial statement analysis, cash flow and dealer workout
    • Knowledge of Microsoft Office
    • Knowledge of reporting and analytics
    • Knowledge of Salesforce.com
    • Knowledge of dealership, fleet/commercial and indirect auto finance industry operations
    • 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.
    • Detailed oriented and capable of managing multiple opportunities simultaneously.
    • Excellent analytical skills.
    • Excellent customer service skills.
    • Excellent oral/written communication and interpersonal skills.
    • Must be self-motivated and able to work independently.
    • Persuasive communication and presentation skills.
    • Team player with strong leadership and motivational skills.

    Education

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

    Experience

    • 3-5 Years directly related experience in financial analysis and underwriting, and experience in automotive dealership commercial lending environment preferred.

    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; limited travel may be required to support business needs; must be able to deal with stressful office conditions while troubleshooting problems.

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