Commercial Credit Analyst

Holman is a family-owned, global automotive services organization anchored by our deeply rooted core values and principles that have enabled us to continue Driving What's Right throughout the last century. Our teams deliver the Holman Experience by treating our customers and each other as we would like to be treated, and creating positive, rewarding relationships all around. The automotive markets Holman serves include fleet management and leasing, vehicle fabrication and upfitting, component manufacturing and productivity solutions, powertrain distribution and logistics services, commercial and personal insurance and risk management, and retail automotive sales as one of the largest privately owned dealership groups in the United States. What will you be doing? Evaluate the creditworthiness of existing and prospective clients across United States, Canada, Mexico, United Kingdom, and Germany. Analyze clients ranging from small private businesses to large multinational public corporations. Review credit applications, financial statements, legal documents, credit bureau reports, and publicly available information. Conduct financial analysis, including ratio, trend, liquidity, leverage, profitability, and cash flow analysis. Investigate credit history and risk factors to support sound underwriting decisions. Assess the degree of risk associated with proposed transactions and portfolio relationships. Recommend appropriate transaction structures and risk mitigation strategies. Prepare clear and concise credit memorandums and recommendations for management approval. Make credit decisions within delegated authority levels and in accordance with company policy. Conduct periodic reviews and ongoing monitoring of portfolio accounts. Identify deteriorating credit trends and elevate concerns appropriately. Analyze credit scorecard results and portfolio performance data. Support reporting of credit events and portfolio risks to management and key stakeholders. What are we looking for? Bachelor's Degree in Finance, Accounting, Economics, Business Administration, Information Systems, or related field, or equivalent experience. Additional professional certifications, training, or business analysis credentials are preferred. Advanced proficiency in Microsoft Office applications, including Excel, Word, PowerPoint, Outlook, SharePoint, Visio, and related business tools. 2-5 years of experience in commercial credit underwriting, financial analysis, business analysis, project coordination, process improvement, or related analytical roles. Experience working with cross-functional teams and stakeholders. Experience documenting business processes, workflows, requirements, and procedures. Familiarity with credit bureau services such as Experian and Dun & Bradstreet. Familiarity with financial software, credit decisioning tools, workflow systems, and reporting platforms. Experience supporting technology implementations, system enhancements, or business process improvement initiatives preferred. Experience with workflow automation, reporting tools, or business intelligence platforms is a plus. #LI-CD1 At Holman, we exist to provide rewarding careers and better lives for employees and their families. We hire, train, empower, and reward exceptional people. Our journey is guided by our desire to get it right every time and the acknowledgement that we have an opportunity to be better. To be better, we have to do better, and to do better we must know better. That's why we are listening, open to learning new things – about ourselves and each other. We will never stop striving for improved diversity, equity, and inclusion because we are successful together when we feel trusted and supported. It's The Holman Way. At Holman, your total compensation goes beyond your paycheck. To position you for success and provide a rewarding career and better life for you and your family, Holman is proud to offer you the benefits you deserve; including protection against illness, disability, loss of work, or preparation for retirement. Benefits: Health Insurance Vision Insurance Dental Insurance Life and Disability Insurance Flexible Spending and Health Savings Accounts Employee Assistance Program 401(k) plan with Company Match Paid Time Off (PTO) Paid Holidays Bereavement Jury Duty Paid Pregnancy/Parental leave Paid Military Leave Tuition Reimbursement Benefits: Regular Full-Time We offer excellent benefits including health, vision, dental, life and disability insurance, and 401(k) with company match. Our time off benefits include Paid Time Off (PTO), paid holidays, bereavement, and jury duty. In addition, we offer paid pregnancy and parental leave, and supplemental paid military leave to eligible employees. Temporary or Part-Time In geographic areas with statutory paid sick leave, part-time and temporary employees will receive a paid sick leave benefit that meets the mandated requirements. Pay: We offer competitive wages that are commensurate with job-related skills, experience, relevant education or training, and geographic location, starting in the range of $60,800.00 - $86,640.00 USD annually for full time employees. The annual compensation range is comprised of base pay earnings. Artificial Intelligence Statement We recognize that applicants for positions at any organization may view AI tools for tasks such as drafting a resume or cover letter, provided the information is accurate and truthful. However, applicants should not use AI tools to: Answer interview questions on their behalf, or use AI tools in any way during the interview or other qualification process(es). Misrepresent or embellish qualifications, skills, or experience. Create false or misleading representations of identity (e.g., deepfakes or altered images/videos). Your application, whether an AI tool is used or not, should reflect your authentic abilities and experiences. Any use of AI that compromises honesty or integrity may result in disqualification from the process. Equal Opportunity Employment and Accommodations Holman provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. If you are a person with a disability needing assistance with the application process, please contact View email address on click.appcast.io This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training. At Holman, we operate according to "The Holman Way" by always doing what's right for our people, our customers, and the community. Since 1924, Holman has grown from a single Ford dealership in New Jersey into a global automotive leader with more than 10,000 employees across North America, the UK, and Germany. We deliver a unique range of automotive services, including industry-leading fleet management and leasing, commercial vehicle equipment manufacturing, powertrain distribution and logistics, commercial and personal insurance and risk management, venture capital funding, and automotive retail sales. Headquartered in southern New Jersey since 1924, we are looking for talented employees worldwide to join our Great Place to Work certified corporate culture and help drive another century of success. #J-18808-Ljbffr Holman Enterprises