Commercial Credit Analyst

Job Description: This role analyzes the long-term financial viability of potential clients employing sophisticated financial analysis techniques and provides on-going portfolio analysis to monitor current client base. The position also requires the analyst to advance the sales department’s understanding of each prospective client and existing clients' risk profile to increase efficiencies in sales development. Assisting the AR group based on client collections issues and opportunities is also expected. KEY RESPONSIBILITIES - ESSENTIAL FUNCTIONS Analyze prospective clients using fundamental financial analysis techniques, including Balance Sheet, Income Statement and Cash Flow measurements as well as industry factors and portfolio concentration issues Review and make appropriate decisions on business credit applications which meet acceptable underwriting standards and are compliant with company guidelines Gather necessary documentation, conduct thorough due diligence to determine the suitability of loan requests, and prepare a detailed credit report summarizing the financial analysis, collateral position, and overall risk assessment including a recommendation for approval or denial Apply quantitative concepts and processes in a judgmental environment to accurately assess risk and balance with expected profitability to the Company Communicate credit decisions to relevant partners and effectively negotiate to “win" desired applications Perform ad-hoc data analysis and reporting Establish scalable and efficient and automated processes for credit analysis and monitoring Coordinate with cross-functional teams to develop financial reporting dashboards Research, recommend approval/decline and monitor existing clients for additional exposure Perform monthly, quarterly, annual credit reviews on existing clients based on the department’s credit review procedures Develop and foster relationships with the sales force Maintain credit files and requests, track and analyze required financial information Other duties assigned to ensure overall departmental efficiency

LEADERSHIP RESPONSIBILITIES This position has no leadership responsibilities COMPETENCIES - SKILLS Excellent analytical and problem-solving skills Strong oral - written communication skills, including the ability to interact with internal and external clients at multiple levels Strong negotiation skills Ability to meet deadlines, function under pressure and manage multiple tasks Develop sufficient internal and external relationships that ensure volume objectives and credit quality Strong organizational / time-management skills EDUCATION and EXPERIENCE Bachelor's degree in business or finance field, in conjunction with formal commercial credit training Minimum 3 years of commercial credit analysis experience, preferably at a financial institution Thorough knowledge of credit analysis and loan/lease documentation, and other facets of commercial credit, including knowledge of credit laws and regulations Demonstrated ability to communicate effectively with relationship managers and other internal stakeholders to discuss credit assessments, provide insights, and collaborate on loan decisions Strong computer skills including proficiency in Microsoft Office + Salesforce CORE VALUES At Wheels, we believe in fostering a culture that is built on our Core Values and Guiding Principles. We cultivate a culture of excellence and innovation by upholding these values, driving our collective success and growth. Integrity – Always act with integrity and honesty. One Team – Treat others with dignity and respect; act as a cohesive, inclusive and accountable team that is making a difference. Innovation – Drive continuous improvement, spark creativity and embrace next generation thinking. Customer Success – Ensure that customer and driver success is at the heart of everything we do. CULTURAL ATTRIBUTES At Wheels, our culture guides us how we work every day, and we look for team members who show these behaviors: Discipline Drives Quality – Plan the Trip: Think proactively, hold a high bar, follow through by leveraging experience and systems. To produce quality outcomes, we must be intentional and deliberate in everything we do, from big bets to daily execution. Intellectually Curious – Fuel Your Minds: Be bold, challenge assumptions, think differently, look outside the box. Strive to unlock your own thinking and create new possibilities. Commit and Deliver – Own It: Take responsibility for your work, from start to finish, and be accountable for the results. Think and act like an owner of the business. Relationships Matter – Share the Ride: Trust is central, both with key internal and external stakeholders. Relationships are not a side effect of work but a driver of success. JOB SPECIFICATIONS, PHYSICAL DEMANDS and WORK ENVIRONMENT Work Environment: This hybrid position that works onsite 3 days a week (Tue-Thur); 8a-5pm and can be in Schaumburg, Ill or Alpharetta, GA. Position Type/Standard Schedule: This is a full-time position, Monday through Friday. Travel: No travel is expected for this position. Physical Demands: While performing the duties of this job, the employee must regularly talk and hear, and use hands and fingers to operate call center tools DISCLAIMER Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice. Our Benefits Wheels recognizes benefits are a significant part of your employee experience, and we've created a robust benefits package that is market-leading, competitive offerings so you and your family can receive outstanding care. Please click here for an overview of the benefits available to you and your family. Pay Range: $59,500-$83,300 The base salary range for this position is listed above. This position is eligible to participate in the annual incentive plan which is based on company performance and individual performance. Compensation ranges are based on several factors including job function, level, and geographic location. Final offer amounts are determined by multiple factors including candidate experience, education, certifications, skill level and expertise, and may vary from the amounts listed here. EEO Statement Wheels is a Drug-Free Workplace. All employment is contingent on successful completion of drug and background screening.

Wheels is an equal opportunity affirmative action employer and administers all personnel practices without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, marital status or domestic partnership status, disability, protected veteran status or military status, genetic information, or any other category protected under applicable law. Wheels is committed to taking affirmative steps to promote the employment and advancement of minorities, women, persons with disabilities and protected veterans.