Credit Analyst

Description

Credit Analyst

ABOUT THE ROLE

As part of the Americas team, SANY Capital USA is seeking highly motivated Financial/Credit Analyst. This role will analyze credit data and financial information of persons or companies that are applying for credit or loans to determine the risk to Sany Capital USA or other credit-granting institutions. Financial/Credit Analyst will prepare weekly monitoring reports as needed and assist the Credit Manager to control the overall risk of the Department. This ideal candidate for this role will be a go getter who takes on extra responsibilities and tasks, who learns new skills independently, who helps others and who is consistently seeking innovative ways to get the job done.

With current revenues over $500 million, SANY America continues to make strong progress and significant investments in the Americas market; the organization is now pursuing an aggressive growth strategy and is looking to move quickly beyond this initial platform and increase market share.

KEY RESPONSIBILITIES

• Manages credit and risk process for semi-standard to more complex small to large sized inventory lines for dealerships in the equipment industry.
• Responsible to analyze and underwrite new and existing smaller ticket lease/loan transactions.
• Work with team members to manage the financial vendors & programs in Canada and United States
• Process the daily retail deals from the Vendors & SCUS from time to time
• The position requires a candidate to have very strong credit and analytical skills, who can multi-task and work in a high-paced team environment.
• Reviewing and analyzing credit requests to determine financial and non-financial strengths, risk levels, and feasibility of proposed credit relationships and transactions.
• Analyzing and communicating financial condition and performance (historic, current and projected) of proposed and existing customers.
• Establishing and determining appropriate controls and formulas as may be required based on complexity and risk of a credit proposal
• Evaluating trends in customer data to promptly identify and report areas of concern and/or potential problem loan, determining courses of action to mitigate identified risks and/or concerns
• Determine proper credit structure and controls necessary to monitor the structure (i.e. regulatory, inventory, account receivable terms, pricing, etc.) and then presenting conclusions to Senior Management team
• Manage the commercial loan portfolio, which includes renewal of maturing loans and lines of credit
• Provide communication (oral and written) with customers concerning loan documentation
• Assist with collection efforts on delinquent or problem accounts
• Lead initiatives which add value, supports SANY vision, core values, business principles, goals and objectives
• Adhere to all policies procedures, processes, company practices, guidelines, expectations, laws and regulations
• Staying abreast of new developments in the field of commercial lending and changing government regulations
• Develop and maintain effective work relationships at all levels of the organization by participating in and contributing to a positive work environment that exhibits courteous, respectful and professional behavior
• Demonstrate consistent professional appearance, image, ethics, integrity, demeanor, and represent the SANY brand
• Responsible for drafting and organizing the review of documents related to technical modifications, ensuring localization and finalization
• Conducting market research and visits as assigned by subsidiary for product-related activities.
• Handling other tasks assigned by leadership

REQUIRED QUALIFICATIONS

• Minimum 3 years of experience underwriting within the equipment leasing space. Previous captive finance experience is preferred
• Working knowledge of commercial loan underwriting with sound understanding of credit worthiness
• Proficient using advanced Microsoft Excel (formulas, graphs, spreadsheets, pivot tables, v-lookup, etc.); experience with Microsoft Office
• Ability to calculate figures, amounts, ratios, formulas, compute interest, discounts, fees, etc.
• Working experience with Cino and Infoplease/Solifi, a plus
• Effective written communication which includes the ability to query reports, create reports and letters
• Ability to read, analyze and interpret commercial, consumer and equipment loan documents along with reports
• Strong communication, presentation skills and teamwork skills with the ability to build trust and credibility globally which includes winning approval from various stakeholders.
• Demonstrate a high degree of creativity and mature judgement in anticipating and solving non-reoccurring, unprecedented problems. Have a Root Cause/Countermeasure approach to problem solving (analytical vs. intuitive)
• Time management skills with the ability to plan, create, maintain and resolve open issues, analyze workflow, demonstrate sense of urgency and set priorities to meet deadlines
• Process driven, detailed oriented, results driven and self-motivated
• Self-starter who is responsive, organized, self-motived with the ability to produces accurate results, meet all established goals, objectives and expectations, and comply with all policies, procedures, regulations, guidelines and laws with minimal supervision
• Ability to effectively handle and maintain confidential matters and information

EDUCATION

• Bachelor's degree in finance, Accounting, Economics, Business Administration or related field.

WORK ENVIRONMENT & PHYSICAL REQUIREMENTS

• On site-Peachtree City, GA

COMPENSATION & BENEFITS

Compensation will be competitive and commensurate with experience. It will include a base salary and an annual performance bonus.

• Medical, dental, and vision
• Paid Time Off
• 401(k) savings plans
• Health Savings Account (HSA)
• Flexible Spending Accounts (FSAs)
• Company paid STD and LTD benefits
• Life Insurance
• Employee Assistance Program (EAP)

EQUAL OPPORTUNITY STATEMENT

SANY America is an Equal Opportunity Employer and considers all qualified applicants for employment without regard to race, color, religion, sex, pregnancy, sexual orientation, gender identity, national origin, age, disability, veteran status, genetic information, or any other protected status under applicable federal, state, or local law.

DRUG AND ALCOHOL FREE WORKPLACE NOTICE

SANY America is an equal opportunity employer and maintains a drug and alcohol-free workplace consistent with applicable federal, state, and local laws. Applicants may be required to complete pre-employment screenings, including drug and/or alcohol testing, as a condition of employment where permitted by applicable law. Testing requirements, employment practices, and workplace policies may vary based on work location, position responsibilities, business necessity, workplace safety considerations, customer requirements, contractual obligations, and applicable regulatory standards.

SANY America complies with applicable federal, state, and local laws relating to marijuana/cannabis use, including applicable medical and recreational marijuana laws where permitted. However, applicants and employees are prohibited from being impaired or under the influence of alcohol, illegal drugs, or other prohibited substances while working, operating Company vehicles or equipment, performing safety sensitive duties, conducting Company business, or while on Company property, consistent with applicable law.

Certain positions may be designated as safety sensitive or subject to additional regulatory, customer, contractual, operational, or workplace safety requirements and may require participation in pre employment, random, reasonable suspicion, post-accident, return to duty, follow up, or other drug and/or alcohol testing programs in accordance with applicable federal, state, and local laws.