Sr. Credit Analyst

Position is located in Flower Mound, TX, Itasca, IL or Norwalk, CT.

Position Overview

The Senior Credit Analyst - Inventory Finance, is a commercial credit (dealer floorplan) underwriting role that contributes to underwriting of all transaction sizes, has a critically important function to review and process transactions within their earned credit authority and present transactions for total exposures exceeding earned credit authority to senior management across all verticals. Candidate should have broad commercial lending experience in a variety of asset classes with demonstrated success in working in a fast paced, high growth environment

Commitment To Internal Control

The incumbent accepts the responsibility for establishing and maintaining the internal control system associated with the essential duties and responsibilities of the functional areas that the incumbent manages.

Essential Duties And Responsibilities

• Underwrite, prepare detailed, thorough credit memos presenting the credit request withappropriate risksand mitigants and decision transactions within earned credit authority Present transactions that exceed earned credit authority to senior management.
• Review and spread financials/tax returns to provide formative analysisregardingperformance and trends. Familiarity with Moody’s Financial/Risk Analysis or a comparable financial spreading tool is important toassistwith underwriting analysis.
• Provide articulate, thoughtful, and effective communication when discussing transactions with Sales, Dealers, as well as with internal clients such as the Operations department.
• Obtain & analyze public andprivate informationsuch as Dun & Bradstreet reports, Paynet reports, Secretary of State corporate name verifications, Credit Bureau reports etc.
• Knowledge of UCC perfection process, reviewing UCC searches todeterminepriority, understanding and ability to negotiate intercreditor agreements and other legal documentation.
• Research industries, markets, andequipmentas necessary.
• Ability to work independently to complete assigned new business requests, increases and/or annual reviews.
• Performs other related duties as assigned by management.
  
  

KPI’s (Key Performance Indicators)

• Underwrite and decision transactions.
• Obtain and analyze public andprivate information.
• Provide best in class service to internal and external customers
  
  

Responsibility And Decision-Making Authority

Act independently; Decision-making within Company policy.

Management/Supervisory Responsibilities

N/A

Qualifications

• Minimum 4 years of commercial underwriting experience (not consumer or mortgage) with a bank or other financial institution.
• Experience in underwriting commercial dealer floorplan requests across number of industries within transportation, equipment finance, construction, otherassets classes
  
  

Competencies

• Adapts to changes in the work environment.
• Collects and researches data.
• Excellent written and verbal communication skills.
  
  

Education And Experience

• 4 - year bachelor’s degreerequiredwith a major in finance or management preferred.
  
  

Licensing And Certification

N/A

Tools And Equipment Used

• Personal computer, copier, phone, and other typical office equipment
  
  

Working Hours

• Hours may vary and may require some evening work;frequentlyrequires working 40-45 hours/week depending on business needs.
  
  

Travel

• Occasional travel related to attendance at industry seminars or tovisit withdealers or equipment manufacturers.
  
  

Physical Demands

• Digital dexterity and hand/eye coordination in operation of office equipment
• Light lifting and carrying of supplies, files, etc.
• Ability to speak to andhearcustomers and/or other employees via phone or in person.
• Body motor skillssufficientto enable incumbent to move from one office location to another.
  
  

This role is considered exempt, and the salary will range between $76,600 - $89,757 with an opportunity to earn a discretionary annual bonus.

The salary range is determined and based on internal equity, market data/ranges, applicant's skills, prior relevant experience, and education.

Additional Benefits

• Medical, Dental and Vision Plans
• 401(k) and matching
• Generous Paid Time Off
• Company paid Life Insurance
• Employeeassistanceprogram
• Training and Development Opportunities
• Employee discounts
  
  

The job description does not constitute an employment contract, implied or otherwise, other than an “at will” relationship and is subject to change by the employer as the needs of the employer and requirements of the job change.