Senior (Commercial) Credit Analyst

Wheels, Inc.•Alpharetta, GA

4d•$87,100 - $121,900•Hybrid

About The Position

The Senior Credit Analyst is responsible for the timely and accurate underwriting of new and existing commercial credit lines through business financial statement analysis, investigations and communications with all relevant stakeholders. The Senior Credit Analyst's primary objective is to conduct detailed financial statement analysis for both public and privately held businesses, continuously manage credit exposures, and perform customer due diligence for new and existing clients to ensure that the Wheels US credit portfolio is of strong credit quality and within the established risk appetite.

Requirements

Minimum five (5) years of commercial credit analysis experience, preferably at a financial institution
Bachelor's degree in business or finance field, in conjunction with formal credit training
Effective communicator at all levels of the organization
Leveraged loan or private credit analysis experience including extensive financial statement analysis abilities and understanding of industry trends
Knowledge of credit risk scoring methodologies and credit risk mitigation techniques
Demonstrated proficiency with Excel and ability to integrate AI tools into the research and credit analysis process
Strong time and project management skills to successfully work on multiple analytical assignments without loss in quality while meeting credit renewal timelines

Nice To Haves

Ability to use visualization software (Tableau or Power BI) to create dashboards

Responsibilities

Underwrite new and existing credit facilities through financial analysis, due diligence, and review of deal terms, structure, and legal documentation
Conduct due diligence on prospects and clients with senior management
Construct and manage DCF (discounted cash flow) and cash flow models including sensitivity analyses to mitigate risk across diverse portfolios
Present comprehensive credit packages including detailed free cash flow analysis, capital structure assessment, and projected asset risk coverage to executive leadership
Build scalable and efficient credit analysis and monitoring processes
Partner with cross-functional teams to assess projected asset risk coverage, department initiatives, system development, and workflow improvements
Ensure accurate internal risk ratings and support portfolio management
Conduct training to assist with the development of less experienced team members
Perform ad hoc company, industry, and portfolio analysis
Other duties as assigned