Credit Analyst

Wheels, Inc.•Alpharetta, GA

1d•Hybrid

About The Position

The Credit Analyst analyzes the long-term financial viability of potential clients by employing sophisticated financial analysis techniques and providing on-going portfolio analysis to monitor current client base. The position also requires the analyst to advance the sales department’s understanding of each prospective client and existing clients' risk profile to increase efficiencies in sales development. Assisting the Account Receivables Dept based on client collections issues and opportunities is expected.

Requirements

Bachelor's degree in business or finance field, in conjunction with formal commercial credit training
Minimum 3 years of commercial credit analysis experience, preferably at a financial institution
Thorough knowledge of credit analysis and loan/lease documentation, and other facets of commercial credit, including knowledge of credit laws and regulations
Demonstrated ability to communicate effectively with relationship managers and other internal stakeholders to discuss credit assessments, provide insights, and collaborate on loan decisions
Strong computer skills including proficiency in Microsoft Office + Salesforce
Excellent analytical and problem-solving skills
Strong oral - written communication skills, including the ability to interact with internal and external clients at multiple levels
Strong negotiation skills
Ability to meet deadlines, function under pressure and manage multiple tasks.
Develop sufficient internal and external relationships that ensure volume objectives and credit quality
Strong organizational / time-management skills

Responsibilities

Analyze prospective clients using fundamental financial analysis techniques, including balance sheet, income statement and cash flow measurements as well as industry factors and portfolio concentration issues
Review and make appropriate decisions on business credit applications which meet acceptable underwriting standards and are compliant with company guidelines
Gather necessary documentation, conduct thorough due diligence to determine the suitability of loan requests, and prepare a detailed credit report summarizing the financial analysis, collateral position, and overall risk assessment including a recommendation for approval or denial
Apply quantitative concepts and processes in a judgmental environment to accurately assess risk and balance with expected profitability to the Company
Communicate credit decisions to relevant partners and effectively negotiate to “win" desired applications
Perform ad-hoc data analysis and reporting
Establish scalable and efficient and automated processes for credit analysis and monitoring
Coordinate with cross-functional teams to develop financial reporting dashboards.
Research, recommend approval/decline and monitor existing clients for additional exposure
Perform monthly, quarterly, annual credit reviews on existing clients based on the department’s credit review procedures
Develop and foster relationships with the sales force
Maintain credit files and requests, track and analyze required financial information
Other duties assigned to ensure overall departmental efficiency