Sr Credit Analyst

YANMAR America•Acworth, GA

5d•Hybrid

About The Position

Senior Credit Analyst / Underwriter Wholesale & Commercial Retail Credit Location: Acworth (Hybrid) Yanmar America is seeking a Senior Credit Analyst / Underwriter to support the launch and ongoing growth of its wholesale (floorplan) and commercial retail finance programs. This role is responsible for the timely, accurate, and prudent evaluation of credit applications and plays a key role in shaping YAF’s initial credit policies, risk framework, and underwriting standards. This position requires a highly experienced credit professional with deep expertise in commercial financial analysis, risk management, and credit structuring in a dealer-based finance environment. Position Summary The Senior Credit Analyst / Underwriter is responsible for analyzing, underwriting, and approving wholesale and commercial retail loan applications in accordance with YAF’s credit policies, service level agreements, and profitability objectives. This role plays a central role in the development of YAF’s initial credit policy parameters and automated decisioning framework and serves as a key partner to sales, operations, and technology teams during the launch and scaling of YAF’s credit platform.

Requirements

Exceptional analytical skills with the ability to interpret complex commercial financial statements and business structures
Expert-level knowledge of credit analysis, risk management, and commercial credit structuring
Proven ability to work accurately and efficiently under strict deadlines
Experience defining credit policy and supporting automated decisioning engines
Strong written and verbal communication skills, especially in articulating credit rationale
Proficiency reading and interpreting commercial legal documents, including security agreements and guarantees
Bachelor’s degree in Finance, Accounting, Economics, or a related field
Minimum of 10+ years of experience in Commercial Lending or Captive Finance underwriting, with specific experience in both Wholesale (Floor Plan) and Commercial Retail credit
Experience working with a Loan Origination System and automated decisioning tools
Deep familiarity with UCC filings, collateral perfection, and commercial lending documentation

Nice To Haves

CPA, MBA, or advanced degree is a plus

Responsibilities

Analyze and underwrite new and existing Floor Plan (Wholesale) and Commercial Retail credit applications.
Render timely credit decisions in accordance with defined credit policies and service level agreements.
Perform comprehensive analysis of business financial statements, tax returns, cash flow, collateral, industry trends, and guarantor strength.
Evaluate business viability and structure appropriate financing solutions based on risk and profitability.
Identify and assess credit, collateral, and structural risks.
Document mitigation strategies and recommend policy exceptions when warranted.
Ensure consistent application of risk standards across the portfolio.
Assist leadership in developing, refining, and documenting credit policies and procedures for wholesale and commercial retail products.
Support implementation of credit standards in preparation for program launch and growth.
Partner with the Program Architect to define credit rules, parameters, and testing for the automated decisioning engine within the Loan Origination System.
Support validation and refinement of automated credit decisions to ensure accuracy and consistency.
Communicate credit decisions, rationale, and required stipulations clearly to Dealer Sales Representatives and the Dealer Support team.
Provide guidance on complex credit scenarios and deal structures.
Ensure all underwriting practices and loan documentation comply with applicable banking regulations, internal controls, and corporate governance standards.
Support audit and review activities as required.