Commercial Credit Analyst
About The Position
Holman is a family-owned, global automotive services organization anchored by our deeply rooted core values and principles that have enabled us to continue Driving What’s Right throughout the last century. Our teams deliver the Holman Experience by treating our customers and each other as we would like to be treated, and creating positive, rewarding relationships all around. The automotive markets Holman serves include fleet management and leasing; vehicle fabrication and upfitting; component manufacturing and productivity solutions; powertrain distribution and logistics services; commercial and personal insurance and risk management; and retail automotive sales as one of the largest privately owned dealership groups in the United States.
Requirements
- Bachelor's Degree in Finance, Accounting, Economics, Business Administration, Information Systems, or related field, or equivalent experience.
- Advanced proficiency in Microsoft Office applications, including Excel, Word, PowerPoint, Outlook, SharePoint, Visio, and related business tools.
- 2-5 years of experience in commercial credit underwriting, financial analysis, business analysis, project coordination, process improvement, or related analytical roles.
- Experience working with cross-functional teams and stakeholders.
- Experience documenting business processes, workflows, requirements, and procedures.
- Familiarity with credit bureau services such as Experian and Dun & Bradstreet.
- Familiarity with financial software, credit decisioning tools, workflow systems, and reporting platforms.
Nice To Haves
- Additional professional certifications, training, or business analysis credentials are preferred.
- Experience supporting technology implementations, system enhancements, or business process improvement initiatives preferred.
- Experience with workflow automation, reporting tools, or business intelligence platforms is a plus.
Responsibilities
- Evaluate the creditworthiness of existing and prospective clients across the United States, Canada, Mexico, United Kingdom, and Germany.
- Analyze clients ranging from small private businesses to large multinational public corporations.
- Review credit applications, financial statements, legal documents, credit bureau reports, and publicly available information.
- Conduct financial analysis, including ratio, trend, liquidity, leverage, profitability, and cash flow analysis.
- Investigate credit history and risk factors to support sound underwriting decisions.
- Assess the degree of risk associated with proposed transactions and portfolio relationships.
- Recommend appropriate transaction structures and risk mitigation strategies.
- Prepare clear and concise credit memorandums and recommendations for management approval.
- Make credit decisions within delegated authority levels and in accordance with company policy.
- Conduct periodic reviews and ongoing monitoring of portfolio accounts.
- Identify deteriorating credit trends and escalate concerns appropriately.
- Analyze credit scorecard results and portfolio performance data.
- Support reporting of credit events and portfolio risks to management and key stakeholders.
Benefits
- Health Insurance
- Vision Insurance
- Dental Insurance
- Life and Disability Insurance
- Flexible Spending and Health Savings Accounts
- Employee Assistance Program
- 401(k) plan with Company Match
- Paid Time Off (PTO)
- Paid Holidays, Bereavement, and Jury Duty
- Paid Pregnancy/Parental leave
- Paid Military Leave
- Tuition Reimbursement
- Paid sick leave benefit that meets the mandated requirements (for part-time and temporary employees in specific geographic areas)
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Mid Level
