As a Commercial Credit Officer Associate in Dealer Commercial Services, you will be responsible for analyzing commercial loans to prospects/existing customers, collaborating with banking partners, and structuring transactions that are consistent with our company's policies and procedures. You will take ownership of the credit process and possess the ability to multi-task, prioritize deal flow and meet delivery deadlines, while making decisions in the best interest of the customer and organization. You will possess and apply a broad understanding of the business environment including the auto industry, current events, and economic cycles. The Dealer Commercial Services team specializes in floorplan lines of credits, real estate loans, acquisition loans, working capital loans, and treasury products to our 450+ franchised retail automobile dealers. We are searching for an experienced Commercial Credit Officer to manage a portfolio of approximately $250 million in loan commitments. Job Responsibilities: 3Utilizing excellent commercial credit skills to prepare written credit reviews which assesses credit opportunities, identifies key risks with appropriate structures to mitigate risks including covenants, terms, and conditions for approval 3Determining capacity of operating entities to repay their financial obligations through analysis of company-prepared/audited financial statements and detailed cash flow analysis 3Completing obligor and facility risk ratings with documented rationale for the final risk grades 3Own portfolio management responsibilities including annual reviews, loan modifications, covenant breaches, inventory audits, overline management, and analyzing trends in key dealer metrics 3Interacting with clients, virtually or in person, in conjunction with the Banker 3Working proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving. 3Demonstrating excellent communication skills both internally and externally and using those communication skills to effectively solve problems Required qualifications, capabilities, and skills 3Bachelor of Arts in Finance, Accounting, Business Administration, Economics, or equivalent work experience if non-Finance related degree / Master of Business Administration 31+ years commercial credit analysis / automotive captive experience, with thorough knowledge of accounting, risk grading, cash flow analysis, financial statement analysis, loan structuring, and market 3Hands-on experience analyzing commercial loans to franchised auto dealerships, or equivalent, including floor plan lending. 3Superior analytical skills supported by excellent written and verbal communication skills 3Demonstrated judgment and ability to act decisively 3Expert knowledge of credit philosophy and policies, understanding of commercial loan documentation requirements, and related legal issues We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. About the Team Our professionals in our Corporate Functions cover a diverse range of areas from finance and risk to human resources and marketing. Our corporate teams are an essential part of our company, ensuring that we're setting our businesses, clients, customers and employees up for success. Risk Management helps the firm understand, manage and anticipate risks in a constantly changing environment. The work covers areas such as evaluating country-specific risk, understanding regulatory changes and determining credit worthiness. Risk Management provides independent oversight and maintains an effective control environment.