Credit Analyst II

Yamaha has an excellent opportunity for a Credit Analyst II to join our Financial Services team in Kennesaw, GA. The role supports medium-to-large, more complex dealer transactions and portfolio management activities. Under the direction of the Credit Manager, the analyst will complete customer due diligence, conduct detailed financial analysis, structure transactions, and manage credit risk in accordance with company policies and procedures.

What You'll Be Doing

• Conduct due diligence and risk assessment for new and existing medium to large dealer accounts, including financial analysis, credit line recommendation, and documentation requirements. Review dealer financial statements and operational performance to assess credit risk and recommend appropriate credit structures.
• Structure and document credit approvals including lines of credit, leasing facilities and related financing arrangements.
• Perform annual dealer credit reviews and ongoing monitoring of portfolio performance.
• Complete special reviews associated with permanent increases, temporary increases, overlines, product additions, financial triggers, and high-risk account monitoring.
• Develop and maintain a strong understanding of Yamaha Motor Corporation's industries and dealer network to help evaluate risk and identify appropriate solutions that balance risk and return.
• Review significant changes within assigned dealer portfolios (e.g. Buyouts, ownership restructuring, additional collateral) and determine appropriate security and documentation requirements.
• Utilize assigned credit authority to monitor a significant portion of the portfolio on an autonomous basis.
• Prepare credit memoranda and deliver presentations to management and external clients.
• Support process improvements, reporting tools and internal compliance initiatives.
• Provide guidance, post review work, or mentor junior analysts within the organization.
• Other projects, assignments, or functions in support of portfolio risk management and business growth.
  
  

What You'll Need To Be Successful

• 3 years of commercial lending or underwriting/financial analysis experience or equivalent experience
• Strong analytical skills
• Cross-functional team environment skill set and ability to work independently
• Excellent verbal, written, and interpersonal skills
• Strong communication & presentation skills
• Proven ability to manage competing priorities and deliver high-quality results under tight timelines.
• Experience working in an organization with detailed Sarbanes-Oxley Act (SOX) and regulatory compliance policies and procedures.
• Experience with development and/or maintenance of tracking tools including process workflow or compliance with internally set guidelines.
• Experience drafting and/or maintaining policies and/or procedures within a regulated commercial lending institution.
• Experience working with internal and external auditors within a regulated commercial lending institution.
• Understanding of UCC filings, collateral perfection, and commercial lending documentation.
• Prior experience in commercial inventory finance or leasing businesses a plus.
  
  

Don't meet every single requirement? Studies have shown that women and underrepresented minorities are less likely to apply to jobs unless they meet every single qualification. At Yamaha, we understand that talent comes in various forms, as such we are dedicated to building a diverse, inclusive, and authentic workplace. If you're excited about this role but your experience doesn't align perfectly with every qualification in the job description, we encourage you to apply anyway. You may be just the right candidate for this or other roles!

What's In It For You

• 401(k) and Profit Sharing
• Fertility Benefits
• 5-hour workweek
• Medical, Dental, Vision
• Life and AD&D Insurance
• Wellness Program
• Short-Term Disability Coverage (for hourly roles)
• Long-Term Disability
• Student Debt Repayment Benefits
• Ability to borrow Yamaha product
  
  

Reports to: Department Manager

Yamaha Motor Corporation, USA is proud to be an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identify, national origin, veteran or disability or any other status protected by federal, state, or local law. We celebrate diversity and are committed to creating an inclusive environment for all employees.