Commercial Credit Analyst

Holman is a family-owned, global automotive services organization anchored by our deeply rooted core values and principles that have enabled us to continue Driving What's Right throughout the last century. Our teams deliver the Holman Experience by treating our customers and each other as we would like to be treated, and creating positive, rewarding relationships all around. The automotive markets Holman serves include fleet management and leasing; vehicle fabrication and upfitting; component manufacturing and productivity solutions; powertrain distribution and logistics services; commercial and personal insurance and risk management; and retail automotive sales as one of the largest privately owned dealership groups in the United States. What will you be doing? Evaluate the creditworthiness of existing and prospective clients across the United States, Canada, Mexico, United Kingdom, and Germany. Analyze clients ranging from small private businesses to large multinational public corporations. Review credit applications, financial statements, legal documents, credit bureau reports, and publicly available information. Conduct financial analysis, including ratio, trend, liquidity, leverage, profitability, and cash flow analysis. Investigate credit history and risk factors to support sound underwriting decisions. Assess the degree of risk associated with proposed transactions and portfolio relationships. Recommend appropriate transaction structures and risk mitigation strategies. Prepare clear and concise credit memorandums and recommendations for management approval. Make credit decisions within delegated authority levels and in accordance with company policy. Conduct periodic reviews and ongoing monitoring of portfolio accounts. Identify deteriorating credit trends and elevate concerns appropriately. Analyze credit scorecard results and portfolio performance data. Support reporting of credit events and portfolio risks to management and key stakeholders. What are we looking for? Bachelor's Degree in Finance, Accounting, Economics, Business Administration, Information Systems, or related field, or equivalent experience. Additional professional certifications, training, or business analysis credentials are preferred. Advanced proficiency in Microsoft Office applications, including Excel, Word, PowerPoint, Outlook, SharePoint, Visio, and related business tools. 2-5 years of experience in commercial credit underwriting, financial analysis, business analysis, project coordination, process improvement, or related analytical roles. Experience working with cross-functional teams and stakeholders. Experience documenting business processes, workflows, requirements, and procedures. Familiarity with credit bureau services such as Experian and Dun & Bradstreet. Familiarity with financial software, credit decisioning tools, workflow systems, and reporting platforms. Experience supporting technology implementations, system enhancements, or business process improvement initiatives preferred. Experience with workflow automation, reporting tools, or business intelligence platforms is a plus. #LI-CD1 At Holman, we exist to provide rewarding careers and better lives for employees and their families. We hire, train, empower, and reward exceptional people. Our journey is guided by our desire to get it right every time and the acknowledgement that we have an opportunity to be better. To be better, we have to do better, and to do better we must know better. That's why we are listening, open to learning new things - about ourselves and each other. We will never stop striving for improved diversity, equity, and inclusion because we are successful together when we feel trusted and supported. It's The Holman Way. At Holman, your total compensation goes beyond your paycheck. To position you for success and provide a rewarding career and better life for you and your family, Holman is proud to offer you the benefits you deserve; including protection against illness, disability, loss of work, or preparation for retirement. Below is a brief overview of the programs available to full-time employees (programs may vary by country or worker type): Health Insurance Vision Insurance Dental Insurance Life and Disability Insurance Flexible Spending and Health Savings Accounts Employee Assistance Program 401(k) plan with Company Match Paid Time Off (PTO) Paid Holidays, Bereavement, and Jury Duty Paid Pregnancy/Parental leave Paid Military Leave Tuition Reimbursement Benefits: Regular Full-Time We offer excellent benefits including health, vision, dental, life and disability insurance, and 401(k) with company match. Our time off benefits include Paid Time Off (PTO), paid holidays, bereavement, and jury duty. In addition, we offer paid pregnancy and parental leave, and supplemental paid military leave to eligible employees. Temporary or Part-Time In geographic areas with statutory paid sick leave, part-time and temporary employees will receive #J-18808-Ljbffr