Dealer Credit Analyst

Responsibilities Prepare, analyze, and submit new credit requests and file reviews to the Dealer Credit Manager Provide sound and reasoned credit recommendations based on established guidelines and dealership experience Perform monthly reviews of dealership financial statements Make recommendations regarding subordination, guarantees, state legal requirements, UCCs, and protective agreements Prepare and maintain dealer document files Provide daily service to DRM/RFM personnel, Region Managers, dealer personnel, and management regarding credit files, system issues, approvals, contingencies, documentation, and financial statements Review wholesale inventory and book audits and recommend actions on audit issues and exceptions Communicate with dealer personnel throughout the credit request and maintenance process, including monthly financial statement reviews Continuously monitor borrowers, financial performance, and payment of credit lines Communicate regularly with dealer principals/owners, CFOs, field sales, credit management, and legal counsel Requirements BS/BA and preferably 2-4 years of relevant experience, or 6 years of relevant experience in lieu of degree Experience in credit analysis and automotive commercial underwriting Financial statement review and cash flow analysis Commercial lending or dealer finance experience Risk assessment or portfolio management experience Ability to collect data, establish facts, identify trends, and identify variance 3+ years of experience in fundamental accounting and/or automotive industry commercial finance preferred Experience in wholesale audit preferred Understanding of Universal Commercial Code (UCC) preferred Business acumen to understand dealership operations, financial drivers, and market dynamics to assess creditworthiness and risk Ability to navigate complex structures, build cross-functional relationships, and influence stakeholders within a corporate environment Customer focus and ability to build strong relationships Flexibility and ability to adapt to change Exceptional attention to detail and problem-solving and analysis skills Effective teamwork and collaboration capabilities Must be legally authorized to work permanently in the country of posting Final candidate must successfully complete a criminal background check Core Competencies Demonstrates expertise in credit analysis, financial statement review, and risk assessment within the automotive finance sector. Proficient in building relationships and providing sound credit recommendations based on dealership operations and market dynamics. Highest-signal resume keywords Credit Analysis Financial Statement Review Risk Assessment Commercial Lending Universal Commercial Code (UCC) ATS Optimization Keywords Hard Skills Credit Recommendations Cash Flow Analysis Portfolio Management Wholesale Audit Data Collection Trend Identification Variance Analysis Accounting Automotive Commercial Underwriting Dealer Finance Soft Skills Customer Focus Relationship Building Flexibility Attention to Detail Problem-Solving Industry Keywords Automotive Industry Dealership Operations Financial Drivers Market Dynamics Creditworthiness #J-18808-Ljbffr Jobtailor