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Commercial Credit Analyst Jobs
Company | Volkswagen of America, Inc |
Address | Libertyville, IL, United States |
Employment type | FULL_TIME |
Salary | |
Category | Motor Vehicle Manufacturing,Manufacturing |
Expires | 2023-07-09 |
Posted at | 10 months ago |
Role Summary
- Monitor for compliance the collection, input and distribution of the financial information made available by the borrower. Identify areas of significant risk resulting from incomplete and/or inadequate financial performance information.
- Develop and implement a set of time series analysis to identify changes in conditions as related to the borrowers’ financial condition, changes in liquidity and/or capital structure, and compliance with lending covenants.
- Participate in liquidity and equity verifications of new and existing dealerships within the commercial loan portfolio. Identify dealerships representing significant risk based on the results of the review.
- Prepare monthly portfolio performance reports, analyze and identify areas of risk and concern, developing a “Watch Dealer” listing containing those borrowers that require more in-depth analysis.
- Assist in quarterly “SWOT” analysis to identify the strengths, weaknesses, opportunities and threats of borrowers held in the commercial portfolio.
- Develop and enhance professional skills and talents through on-going training, adopting a philosophy of lifelong learning.
- Review analysis with region office identifying areas of shortfall, conditions and terms if recommended for approval, explain justification for declination if not recommended for approval, gain a complete understanding of credit terms, condition, and interest rate being requested by borrower, if request falls outside the company’s standard underwriting guidelines obtain justification for exception.
- Perform new client credit analysis in the following manner: Analyze the management and economic factors, review the quality of the financial reports, analyze the balance sheet for liquidity and leverage, analyze the income statement to determine the profitability of sales, financial productivity and break even point, study the relationship between the balance sheet and income statement identify borrowing causes and repayment sources, determine seasonality of cash flows and their impact upon repayment ability, analyze historic cash flows to project into the future expected servicing ability, organize conclusions about business risk, liquidity, leverage, profitability, cash flow, repayment sources, and margins of protection, then make loan recommendation. Evaluate the need for additional supporting information in order to make an informed credit decision.
- 4-5 years extensive professional experience, including experience in Automotive Retail/Wholesale marketing, or experience in Commercial Credit Analysis for a Financial Services Company or Major Lending Institution or experience in Commercial Credit Administration and/or Financial Analysis in a Region and/or Corporate capacity
- Extensive experience in Financial Analysis of closely held corporations, partnerships and sole proprietorships conducting business in automobile retailing
- Computer savvy – skilled in the use of software
- Resource management
- Communication skills – interpersonal, presentation and written
- Integration – joining people, processes or systems
- Problem solving
- Strong organizational skills and high attention to detail to meet deadlines in an environment of constantly changing priorities.
- PC proficient – skilled in the use of MS Office (Excel, Word, PowerPoint, Outlook).
- Flexibility and adaptability to change
- Automotive retail dealership experience desired.
- Travel 10-15% of the time
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