Credit Analyst II

Yamaha Motor Corporation, USA•Kennesaw, GA

5d•Onsite

About The Position

The Credit Analyst II completes customer due diligence in accordance with company policies and procedures, conducts research, and financial analyses, manages conditions and documentation for large new and large existing Yamaha dealerships with more complex structures and analysis needed. Conducts credit reviews to assess and mitigate risk, recommends and approves decisions that protect the interest of YMFUS, and follows conditions needed to complete deal setup or continuation.

Requirements

Bachelor’s degree in Accounting/Finance/Business Administration.
5+ years of commercial lending, underwriting/financial analysis 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.
Ability to effectively manage multiple priorities and work as needed to ensure deadlines are met in a fast-paced environment.
Minimal travel required.

Nice To Haves

Prior commercial leasing underwriting experience either in a commercial equipment finance company or a captive finance company is preferred.
Experience working within a regulated environment.
Experience with internal and/or external auditors.
Experience with the development and/or maintenance of tracking tools including process workflow or compliance with internally set guidelines.

Responsibilities

Conduct due diligence/risk assessment of medium/large new prospect files, financial analysis, credit line recommendation, and documentation requirements.
Structure complex transactions and negotiate complex credit documentation to mitigate risk appropriately.
Complete medium and large annual dealer reviews based on company policy. Assess risk through financial analysis and operational performance, recommend credit line, conditions, and documentation needed to continue dealer relationship.
Provide internal and external communication between sales, financial services, and new prospects.
Work within assigned portfolio to credit review and assess significant changes to existing dealers and determine go-forward security and documentation requirements (buyouts, ownership restructuring, additional collateral). Use assigned credit authority to monitor a significant portion of the portfolio on an autonomous basis.
Complete special reviews associated with permanent increases, temporary increases, overlines, product additions, financial triggers, and high-risk account monitoring.
Prepare and deliver presentations to executives and external clients.
Help develop streamlined tracking tools for workflow management and JSOX Compliance. Own buildout and day-to-day monitoring of these tools.
Other projects, assignments, or functions in support of portfolio risk management as needed.