Credit Analyst II

Yamaha Motor Corporation, USA

About The Position

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.

Requirements

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.

Nice To Haves

Prior experience in commercial inventory finance or leasing businesses a plus.

Responsibilities

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.