Senior Commercial Credit Analyst

JM Family • Deerfield Beach, FL

4d • Hybrid

About The Position

This role is for a Senior Commercial Credit Analyst within the Financial Planning & Analysis Team, focusing on automotive commercial financial analysis and underwriting. The analyst will be a key member of the Lending Team at a leading automotive F&I provider, collaborating with Sales, Leadership, and internal departments to ensure sound business decisions and manage risk. The position offers an opportunity to influence decision-making and contribute to the company's transformation efforts within a collaborative, growth-oriented, and innovative environment.

Requirements

• Bachelor’s degree in Accounting, Finance, or a related field.
• 5+ years of experience in commercial financial analysis and underwriting.
• Solid problem-solving skills, with a natural curiosity to explore data and uncover insights.
• Outstanding attention to detail and the ability to balance multiple priorities in a dynamic environment.
• Exemplary communication and presentation skills, with the ability to simplify complex data for diverse audiences.
• Advanced proficiency in MS Excel, MS Word, and MS PowerPoint.
• Ability to collaborate skillfully with cross-functional teams.
• Excellent verbal and written communication and presentation skills.

Nice To Haves

• MBA a plus.
• Automotive experience a plus.
• Experience with Power BI and Power Automate a plus.

Responsibilities

• Analyze tax returns and various statements (CPA, manufacturer factory, pro-forma, and personal financial) at group and individual levels to assess financial soundness and cash flow repayment ability.
• Review draft loan/advance agreements for accuracy and completeness.
• Propose loan/advance structures by reviewing JM&A customer relationship profit models, available collateral, and financial position to enhance profitability and ensure adequate repayment capacity.
• Collaborate frequently with the field sales team.
• Prepare and present comprehensive credit request packages, including financial data, for approval by senior leadership, sales, acquisition, and legal teams.
• Monitor the performance of booked loans/advances and collaborate with the field sales team to ensure relationships are performing as expected.
• Maintain a dynamic lending portfolio dashboard.
• Improve productivity and efficiency by automating workflows, enhancing data integration, and developing standardized and customized reports, dashboards, and tools to support data-driven decision-making.

Benefits

• Opportunities for professional development and career advancement.
• Collaborative environment where ideas and contributions are valued.
• Opportunity to influence decision-making and support new business acquisition and retention.
• Innovative environment that encourages continuous improvement.
• Encouraging team of finance professionals.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior