Credit Review and Assessment
About The Position
The Regional Credit Analyst is a junior level role working with a Senior specialist in the Region Credit team. This role will be responsible for supporting credit risk management across an assigned region, with a strong focus on high-quality analysis, communication skills, and presentation skills. This role partners closely with our markets, risk team members, and business teams to assess credit exposure, monitor portfolio risk, and prepare board- and executive-level materials. The ideal candidate brings hands-on experience in dealer or commercial credit, financial statement analysis, and broader credit topics.
Requirements
- BS/BA and prefer 2-4 years of relevant experience or 6 years of relevant experience (credit analysis, credit risk, or a related risk management role).
- Must be able to read, write, and speak Spanish.
- Experience with dealer or commercial credit, financial statement analysis, and credit underwriting.
- Proven ability to create PowerPoint presentations with clear messaging.
- Understanding of credit risk concepts, market dynamics, and portfolio risk.
- Strong written and verbal communication skills, with the ability to influence stakeholders.
Nice To Haves
- Exposure to multiple credit asset classes (corporate, dealer, wholesale, or structured credit).
- Advanced Excel and PowerPoint skills; experience with credit systems, AI or risk tools a plus.
Responsibilities
- Perform in-depth reviews of credit files, including dealers, corporates, and other credit exposures within the North America region.
- Assess financial statements, cash flow, leverage, liquidity, and key credit metrics to support credit decisions.
- Support credit approvals, renewals, limits, and ongoing credit reviews in accordance with policy and risk appetite.
- Monitor regional credit portfolios, high line of credits, identify emerging risks, and escalate concerns with clear recommendations.
- Develop clear, concise, and visually compelling PowerPoint presentations for board-level and senior management forums.
- Translate complex credit and market risks into executive-ready narratives and insights.
- Prepare regional credit updates, portfolio trends, stress scenarios, and ad hoc analysis/reporting for leadership.
- Partner closely with business teams to understand credit scenarios and customer needs and provide credit guidance on new transactions, structures, and evolving market conditions.
- Understand credit processes and pain points of credit teams to help optimize processes as needed.
- Ensure compliance with internal credit policies, procedures, global rules and expectations.
- Contribute to audits, regulatory reviews, and internal risk governance processes.
- Support enhancements to credit frameworks, reporting, and analytics.
Benefits
- annual bonus program
- 401k company contribution with company match up to 6 % as well as non-elective company contribution of 3 - 7% depending on age
- starting at 4 weeks paid vacation
- 15 calendar holidays
- 8 weeks paid parental leave
- employee assistance program
- comprehensive healthcare plans and wellness programs
- onsite fitness (at some locations)
- tuition assistance and volunteer paid time off
- short-term and long-term disability plans
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Number of Employees
5,001-10,000 employees
