Commercial Credit Manager - HDFS

Auto req ID: 63355 Title: Commercial Credit Manager - HDFS Job Function: Finance Location: PLANOWorkplace Category: Hybrid Company: Harley-Davidson Financial Services Full or Part-Time:Full Time In 1903, out of a small shed in Milwaukee, Wisconsin, four young men lit a cultural wildfire that would grow and spread across geographies and generations. Their innovation and imagination for what was possible on two wheels sparked a transportation revolution that would make Harley-Davidson the most recognizable motorcycle brand in the world. Today, we continue to define motorcycle culture, evoking soul-stirring emotion reflected in every product and experience we deliver - like we have for well over a century and will for generations to come.Harley-Davidson Financial Services, a wholly-owned subsidiary of Harley-Davidson, Inc., offers a wide range of financial products and services to motorcycle enthusiasts and Harley-Davidson dealerships, helping make the ride attainable for all.Are you ready to ride with us?Located just outside of the heart of DFW, and in one of the fastest growing suburbs, the Plano, Texas office serves as one of the Company's two operations centers. It serves as the main hub for HDFS’ Commercial Finance business, and also houses employees representing Rider Services, Underwriting, Risk, Enterprise Project Management, Accounting, Compliance, Human Resources, Global Information Services, Communications, and Legal. Join our team as a Commercial Credit Manager - HDFS.Job SummaryThis position is responsible for overseeing the activities of an assigned number of commercial credit analysts. Including review and approval of floorplan credit facilities, dealer support loans, reporting, training, mentoring, establishment and tracking of team goals and credit decisions up to established levels. This position calls for a high level of interaction at all levels of leadership as well as Harley-Davidson Motor Company staff and Dealer Development Team. This role also provides oversight and leadership on commercial credit risk management practices, and portfolio financial performance monitoring. Job ResponsibilitiesManages commercial credit underwriting activities for floorplan credit facilities and dealer support loans, including acquisition, facility improvements, equipment, and working capital loans.Assigns files among credit analysts to ensure reviews are scheduled per policy and tracks performance monthly to ensure timely completion. Reviews credit packages including floorplan credit facilities and dealer support loan requests for approval up to established level of authority and provides recommendations on requests above established level of authority.Identifies and escalates emerging credit risks, recommending mitigation strategies and policy adjustments.Establishes and monitors individual and team goalsConducts individual performance reviews as required with specific feedback on established goals, attainment and shortfalls plus developmental needs for the individual to progress in his/her job or to the next level.Provides monthly reporting to senior leadership on team goalsTrains staff on financial, cash and trending analysis along with security documentation. Negotiates intercreditor agreements to ensure the business has perfected its security interest and that a priority position is placed on borrowers’ collateral.Monitors and manages Rejected Orders/Overline Approvals within portfolio; Temporary Credit Line Increases/Used Credit Lines within portfolioProtection 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 RequirementsHigh School Diploma or Equivalent RequiredEducation SpecificationsBS/BA in Business Administration or similar; Accounting or Finance PreferredMaster’s Degree PreferredExperience RequirementsRequiredTypically requires a minimum of 10 years of related experience.Minimum of 7 years of commercial credit experience.Minimum of 5 years of management experience Extensive knowledge of financial statement analysis and cash flow analysisExperience with Uniform Commercial Code, secured lending, and commercial lending documentation. Experience with credit risk management frameworks and portfolio analytics.Ability to define roles and responsibilities and delegate effectivelyAnalytical thinker with attention to detail; proven self-starter and problem solver. Great communication and relationship management skills are a must. Intermediate-to-advanced Excel skills; proficient in all other Microsoft Office applications.The pay range shown represents the national average pay range for this role. Your pay may be more or less than the stated range and is dependent on your geographic location and level of experience.We offer an inclusive compensation package for all full-time employees including, but not limited to, bonus programs, health insurance benefits, a 401k program, onsite fitness centers, employee discounts on products and accessories, and more. Learn more about Harley-Davidson here.Applicants must be currently authorized to work in the United States. Direct Reports: Yes Travel Required: 0 - 10% Pay Range: $112,200 - $168,200 Visa Sponsorship: This position is not eligible for visa sponsorship or visa transfer Relocation: This position is not eligible for relocation assistance #LI-HDFS