Credit Products Analyst II – Dealer Finance

This is a fully remote position, open to applicants in United States.

📋 Description

• Perform financial analysis and assess risk ratings.

• Execute thorough credit due diligence and conduct industry research.

• Compile annual and periodic credit evaluations.

• Observe borrower performance and monitor financial covenants.

• Suggest adjustments to risk ratings based on financial trends.

• Support Credit Products Specialists in designing new loans and modifications.

• Draft internal credit approval documents.

• Carry out market and collateral assessments.

• Analyze and interpret due diligence reports.

• Collaborate with Relationship Managers to create financing-related presentation materials.

• Work alongside Relationship Managers, Credit Officers, and Credit Products Specialists to deliver data-driven insights.

• Engage in client discussions and presentations as needed.

• Aid in process improvement initiatives.

• Pursue professional development through credit training programs.

• Assist with policy updates and regulatory compliance efforts.

• Undertake special projects and additional responsibilities as necessary.

• Complete mandatory compliance training and adhere to applicable laws and regulations.

⛳️ Requirements

• Bachelor’s Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field.

• Over 3 years of experience in commercial banking, credit analysis, or a similar area.

• Expertise in financial modeling, credit risk evaluation, and industry research.

• Capability to analyze intricate credit situations and propose solutions.

• Strong skills in monitoring financial reports and tracking credit agreements.

• Proficient in financial analysis software, CRM systems, and Excel, including pivot tables and financial modeling.

• Ability to effectively collaborate with Relationship Managers, Credit Officers, external partners, and stakeholders.

• Strong critical thinking and problem-solving abilities.

• Must comply with relevant regulatory and compliance policies, laws, and regulations.

• Experience in commercial credit structuring and deal underwriting is advantageous.

🏝️ Benefits

• Medical insurance.

• Dental insurance.

• Vision insurance.

• Life insurance.

• Disability insurance.

• Comprehensive leave program.

• Variable incentives, bonuses, commissions, or other awards may be included in total compensation.