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Sr Credit Analyst

Wheels

Schaumburg, Illinois

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JOB DETAILS
SKILLS
Accounting, Analysis Skills, Business-to-Business (B2B), Communication Skills, Computer Programming, Continuous Improvement, Credit Analysis, Credit Risk, Cross-Functional, Customer Relations, Customer Support/Service, Data Analysis, Data Migration, Due Diligence, Employee Relations, Facilities Management, Finance, Financial Analysis, Financial Reporting, Financial Statements, Follow Through, Head of Finance, Industry/Trade Analysis, Insurance Sales, Investment Management, Leadership, Machine Tool, Microsoft Visual Basic for Applications (VBA), Power BI, Process Analysis, Process Improvement, Programming Languages, Project/Program Management, Purchasing/Procurement, Python Programming/Scripting Language, R Programming Language, Reconciliation, Regulations, Reporting Dashboards, Reporting Skills, Risk, Risk Management, SQL (Structured Query Language), Sales, Tableau, Time Management, Underwriting
LOCATION
Schaumburg, Illinois
POSTED
2 days ago
Job Description:

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 Analyst's primary objective is to conduct detailed financial statement analysis for both public and privately held businesses, continuously manage credit facilities, 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.

KEY RESPONSIBILITIES - ESSENTIAL FUNCTIONS:
  • Perform commercial underwriting of new and existing credit facilities through the analysis of year-end and interim financial reports, account reconciliation activities, vehicle equity and aging reports, and due diligence
  • Act as a portfolio manager by interacting with clients and their accountants, controllers, or CFOs to collect information and due diligence materials necessary for credit review
  • Facilitate discussions and effectively communicate the rationale for a credit decision at the highest levels in the company (i.e., Credit Committee including CEO, CFO, and Treasurer)
  • Ensure each step of the underwriting and renewal process is compliant with company and regulatory guidelines, policies, procedures and methodology
  • Establish scalable, efficient and automated processes for credit analysis and monitoring
  • Coordinate with cross-functional teams to create automated financial reporting dashboards
  • Assess work procedures and expedite workflow
  • Assist with the development of internal credit risk tooling and data migration activities
  • Perform ad-hoc data analysis and reporting
  • Handle ordering issues as the need arises, with the goal of managing issue to completion prior to its elevation to Management
  • Generate reporting and system queries as necessary to support credit portfolio management activities, department initiatives and processes
  • Maintain positive, cooperative working relations with Sales staff, Client Services, Purchasing and other internal and external customers
  • Other duties and responsibilities as assigned

LEADERSHIP RESPONSIBILITIES:
  • This position's leadership responsibilities involve demonstrating ethics and integrity, developing adaptability, displaying drive and purpose, and exhibiting leadership stature to members to key stakeholders for the origination and presentation of credit requests.

COMPETENCIES - SKILLS:
  • Understanding financial statements used to form a credit basis in a commercial business-to-business environment and continuously recognizing industry trends and potential risks to our organization over time
  • Knowledge of credit risk scoring methodologies and credit risk mitigation techniques
  • Technical abilities include programming experience (Python or R) and writing SQL queries
  • Ability to use visualization software (Tableau or Power BI) to create dashboards
  • Strong time and project management skills to successfully work on multiple analytical assignments without loss in quality while meeting credit renewal timelines

EDUCATION and EXPERIENCE:
  • 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
  • Proficiency with Python or R (or similar programming languages) and Excel/VBA
  • Effective communicator at all levels of the organization
  • Experience with SQL and utilizing the queried data to develop Tableau or Power BI dashboards

CORE VALUES

At 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 ATTRIBUTES

At 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 exper

About the Company

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Wheels