Are you a highly motivated and intellectually curious financial professional?
Join our dynamic Financial Planning & Analysis Team as a Senior Commercial Credit Analyst focused on automotive commercial financial analysis and underwriting. As a key player within the Lending Team of a leading automotive F&I provider, you will collaborate closely with Sales, Leadership, and internal departments to drive sound business decisions while also managing risk in a dynamic economic environment. This is a unique opportunity to influence decision-making and contribute to our ongoing transformation efforts.
Responsibilities:
- Commercial Underwriting: Analyze tax returns and various statements at group and individual levels (CPA, manufacturer factory, pro-forma and personal financial) to determine financial soundness and cash flow repayment ability. Review draft loan/advance agreements for accuracy and completeness.
- Deal Structure: Review JM&A customer relationship profit models, available collateral, and financial position to propose loan/advance structures that enhance relationship profitability while also ensuring adequate repayment capacity to mitigate risk. Frequent collaboration with the field sales team.
- Credit Committee Presentation: Prepare and present comprehensive credit request packages for approval. Meeting attendees include senior leadership team, sales, acquisition, and legal associates.
- Portfolio Management: Monitor performance of loans/advances once booked and collaborate with field sales team to ensure that relationships are performing as expected. Maintain a dynamic lending portfolio dashboard.
- Process Improvement: Increase productivity and efficiency by automating workflows, improving data integration, and developing standardized and customized reports, dashboards, and tools to support data-driven decision-making across the organization.
Qualifications:
- Bachelor’s degree in Accounting, Finance, or a related field; MBA a plus.
- 5+ years of experience in commercial financial analysis and underwriting; automotive experience a plus.
- Solid problem-solving skills, with a natural curiosity to explore data and uncover insights.
- Outstanding attention to detail and the ability to balance multiple priorities in a dynamic environment.
- Exemplary communication and presentation skills, with the ability to simplify complex data for diverse audiences.
- Advanced proficiency in MS Excel, MS Word, and MS PowerPoint. Experience with Power BI and Power Automate a plus.
- Ability to collaborate skillfully with cross-functional teams.
- Excellent verbal and written communication and presentation skills.
If you thrive on solving complex problems, are motivated by data-driven decision-making, and want to make an impact, this could be the perfect opportunity for you!
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This job description may not be inclusive of all assigned duties, responsibilities, or aspects of the job described, and may be amended at any time at the sole discretion of JM Family. All work arrangements are subject to associate performance, business need and manager discretion, and may be revised as necessary.
