Commercial Credit Analyst

The Commercial 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.KEY RESPONSIBILITIES - ESSENTIAL FUNCTIONSAnalyze prospective clients using fundamental financial analysis techniques, including balance sheet, income statement and cash flow measurements as well as industry factors and portfolio concentration issuesReview and make appropriate decisions on business credit applications which meet acceptable underwriting standards and are compliant with company guidelinesGather 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 denialApply quantitative concepts and processes in a judgmental environment to accurately assess risk and balance with expected profitability to the CompanyCommunicate credit decisions to relevant partners and effectively negotiate to “win" desired applicationsPerform ad-hoc data analysis and reportingEstablish scalable and efficient and automated processes for credit analysis and monitoringCoordinate with cross-functional teams to develop financial reporting dashboardsResearch, recommend approval/decline and monitor existing clients for additional exposurePerform monthly, quarterly, annual credit reviews on existing clients based on the department’s credit review proceduresDevelop and foster relationships with the sales forceMaintain credit files and requests, track and analyze required financial informationOther duties assigned to ensure overall departmental efficiencyLEADERSHIP RESPONSIBILITIESThis position has no leadership responsibilitiesCOMPETENCIES - SKILLSExcellent analytical and problem-solving skillsStrong oral - written communication skills, including the ability to interact with internal and external clients at multiple levelsStrong negotiation skillsAbility to meet deadlines, function under pressure and manage multiple tasksDevelop sufficient internal and external relationships that ensure volume objectives and credit qualityStrong organizational / time-management skillsEDUCATION and EXPERIENCEBachelor's degree in business or finance field, in conjunction with formal commercial credit trainingMinimum 3 years of commercial credit analysis experience, preferably at a financial institutionThorough knowledge of credit analysis and loan/lease documentation, and other facets of commercial credit, including knowledge of credit laws and regulationsDemonstrated ability to communicate effectively with relationship managers and other internal stakeholders to discuss credit assessments, provide insights, and collaborate on loan decisionsStrong computer skills including proficiency in Microsoft Office (Excel - Pivot Tables, Lookups)Salesforce experience is a plusCORE VALUESAt Wheels, we believe in fostering a culture that is built on our Core Values and Guiding Principles. We cultivate a culture of excellence and innovation by upholding these values, driving our collective success and growth.Integrity – Always act with integrity and honesty.One Team – Treat others with dignity and respect; act as a cohesive, inclusive and accountable team that is making a difference.Innovation – Drive continuous improvement, spark creativity and embrace next generation thinking.Customer Success – Ensure that customer and driver success is at the heart of everything we do.CULTURAL ATTRIBUTESAt Wheels, our culture guides us how we work every day, and we look for team members who show these behaviors:Discipline Drives Quality – Plan the Trip: Think proactively, hold a high bar, follow through by leveraging experience and systems. To produce quality outcomes, we must be intentional and deliberate in everything we do, from big bets to daily execution.Intellectually Curious – Fuel Your Minds: Be bold, challenge assumptions, think differently, look outside the box. Strive to unlock your own thinking and create new possibilities.Commit and Deliver – Own It: Take responsibility for your work, from start to finish, and be accountable for the results. Think and act like an owner of the business.Relationships Matter – Share the Ride: Trust is central, both with key internal and external stakeholders. Relationships are not a side effect of work but a driver of success.JOB SPECIFICATIONS, PHYSICAL DEMANDS and WORK ENVIRONMENTWork Environment: This hybrid position (3 days onsite) is in either Schaumburg, IL or Alpharetta, GAPosition Type/Standard Schedule: This is a full-time position, Tue-Thurs (onsite); Monday through Friday; 8a-5pTravel: No travel is expected for this positionPhysical Demands: While performing the duties of this job, the employee must regularly talk and hear, and use hands and fingers to operate call center toolsDISCLAIMERPlease note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.