The Senior Credit Analyst is responsible for the timely and accurate underwriting of new and existing commercial credit lines through business financial statement analysis, investigations and communications with all relevant stakeholders. The Senior Credit Analyst's primary objective is to conduct detailed financial statement analysis for both public and privately held businesses, continuously manage credit exposures, and perform customer due diligence for new and existing clients to ensure that the Wheels US credit portfolio is of strong credit quality and within the established risk appetite.
KEY RESPONSIBILITIES - ESSENTIAL FUNCTIONS
Underwrite new and existing credit facilities through financial analysis, due diligence, and review of deal terms, structure, and legal documentation
Conduct due diligence on prospects and clients with senior management
Construct and manage DCF (discounted cash flow) and cash flow models including sensitivity analyses to mitigate risk across diverse portfolios
Present comprehensive credit packages including detailed free cash flow analysis, capital structure assessment, and projected asset risk coverage to executive leadership
Build scalable and efficient credit analysis and monitoring processes
Partner with cross-functional teams to assess projected asset risk coverage, department initiatives, system development, and workflow improvements
Ensure accurate internal risk ratings and support portfolio management,
Conduct training to assist with the development of less experienced team members
Perform ad hoc company, industry, and portfolio analysis
Other duties as assigned
LEADERSHIP RESPONSIBLITIES
This position's leadership responsibilities involve demonstrating ethics and integrity, developing adaptability, displaying drive and purpose, and exhibiting leadership stature to members to key stakeholders for the origination and presentation of credit requests
COMPETENCIES - SKILLS
Leveraged loan or private credit analysis experience including extensive financial statement analysis abilities and understanding of industry trends
Knowledge of credit risk scoring methodologies and credit risk mitigation techniques
Demonstrated proficiency with Excel and ability to integrate AI tools into the research and credit analysis process
Ability to use visualization software (Tableau or Power BI) to create dashboards, preferred
Strong time and project management skills to successfully work on multiple analytical assignments without loss in quality while meeting credit renewal timelines
EDUCATION AND EXPERIENCE
Minimum five (5) years of commercial credit analysis experience, preferably at a financial institution
Bachelor's degree in business or finance field, in conjunction with formal credit training
Effective communicator at all levels of the organization
Experience with financial modeling in Excel
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.
Numbers & Facts
Location
Schaumburg, Illinois
Skills
Advertisingunmatched
Analysis Skillsunmatched
Artificial Intelligence (AI)unmatched
Capital Analysisunmatched
Cash Flowunmatched
Cash Flow Projectionunmatched
Communication Skillsunmatched
Continuous Improvementunmatched
Credit Analysisunmatched
Credit Processingunmatched
Credit Riskunmatched
Cross-Functionalunmatched
Discounted Cash Flow (DCF)unmatched
Due Diligenceunmatched
Financeunmatched
Financial Analysisunmatched
Financial Modelingunmatched
Follow Throughunmatched
Functional Analysisunmatched
Industry/Trade Analysisunmatched
Insurance Salesunmatched
Investment Managementunmatched
Leadershipunmatched
Legal Documentsunmatched
Portfolio Analysisunmatched
Power BIunmatched
Process Improvementunmatched
Project/Program Managementunmatched
Public/Media/Press/Analyst Relationsunmatched
Reporting Dashboardsunmatched
Riskunmatched
Risk Analysisunmatched
Risk Managementunmatched
Scalable System Developmentunmatched
Side Effectsunmatched
Staff Developmentunmatched
Tableauunmatched
Time Managementunmatched
Training/Teachingunmatched
Underwritingunmatched
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