Sr. Wholesale Credit Analyst

Job Summary Under minimal supervision the Senior Credit Analyst is continually assessing and monitoring the overall financial viability and credit worthiness of the most complex business partners/customers located throughout the United States and Canada in accordance with policies and guidelines established in the company procedures manual. This would include periodic formal written credit memorandums and recommendations for credit lines, as well as more frequent monitoring and decision making throughout the year regarding ongoing risk assessment, temporary overline situations, and special credit line needs throughout the year. In addition, the Senior Credit Analyst will assist with the training of new team members and help identify areas for improvement and training. Job Responsibilities Reviews and understands the corporate structure/ownership of the business partner/customers and affiliate companies, and ensures that all documentation in the file provides adequate security in accordance with applicable guidelines. Works collaboratively with an Account Manager on an assigned group of dealers to understand the Commercial business credit risk. Reviews and understands all Uniform Commercial Code information in the file, ensuring the Company maintains adequate access and priority to all collateral over other banks and lenders, etc. Reviews personal credit reports and Dun & Bradstreet reports for any signs of poor payment or other issues. Reviews and inputs the business partner/customers financial statement information into Moody’s Financial Analyst software and any other required databases for peer analysis. Reviews the internal payment performance of the business partner/customers. Analyzes all the above information and discusses with business partner/customers as needed throughout the year for risk assessment on an assigned number of accounts as well as more formal credit memorandums that are approved by applicable authority. Reviews and makes recommendations on a daily basis for pending orders that take the business partner/customer above their approved credit line; on temporary or seasonal credit line increases, as well as used credit lines; and throughout the year on various structure changes that may affect Company documentation requirements. Protection of information and compliance with the law are paramount. Protecting employee, customer, and corporate information is everyone's responsibility at Eaglemark Savings Bank. All employees must follow established safeguards, including policies regarding data protection, segregation of duties, and access to information based solely on business need. Further, it is the responsibility of all employees to maintain awareness and understanding of relevant laws, regulations, internal policies and procedures, and to comply with all of them. Education Requirements High School Diploma or Equivalent Required Experience Requirements Typically requires a minimum of 5 years of related experience 5 years related experience in commercial credit, finance, banking, accounting, or other business field required Professional written and communication skills required Knowledge and proficiency in MS Office applications, as well as other computer skills required Preferred Specific knowledge of financial statement analysis, concepts of accounting preferred Harley-Davidson is an equal opportunity employer that continues to build a culture of inclusion, belonging and equity through our commitment to attracting and retaining diverse talent from all backgrounds, without regard to race, color, religion, sex, sexual orientation, national origin, gender identity, age, disability, veteran status or any other characteristic protected by law. We believe in fairness and providing a level playing field for all. We foster a culture that thrives on diverse perspectives and contributions to ignite the creativity and innovation to fuel our business and enhance the employee and customer experience. Applicants must be currently authorized to work in the United States. Direct Reports: Yes Travel Required: 10 - 25% Pay Range: 75,800 - 117,600 Visa Sponsorship: This position is not eligible for visa sponsorship or visa transfer Relocation: This position is not eligible for relocation assistance #J-18808-Ljbffr Harley-Davidson Motor Company