Senior Commercial Credit Analyst
Core
Lead complex credit analysis and risk assessment for dealership floorplan, revolving, term, and real estate financing across North America to support profitable portfolio growth.
Role type
Senior IC commercial credit analyst (dealer finance)
Builds
Credit risk assessments, loan documentation, and restructuring strategies for commercial vehicle dealers.
Domain
Commercial vehicle finance / Dealer lending
Deliverable
production ML models | product features | dashboards & analysis | client delivery
Required skills
Financial statement analysis, credit underwriting, covenant monitoring, portfolio management, risk rating, UCC/PPSA rules knowledge, financial modeling, data collection, trend identification
Preferred skills
Commercial credit underwriting in fleet/dealer environments, accounting background, automotive/trucking industry finance experience, portfolio systems (ALFA, PEGA, Credit Lens), mentoring junior staff, French language proficiency
Technologies
Microsoft Excel, Outlook, ALFA, PEGA, Credit Lens
Responsibilities
Lead team in preparing credit risk assessments for credit committee approval; Coach team members on negotiation structures and risk mitigation; Provide training on balance sheet/income statement/cashflow analysis; Oversee key commercial dealer accounts including payment performance and asset management; Ensure compliance with corporate credit policies; Serve as voting member of credit committee and SME for complex topics
Seniority
Senior, hands-on IC with leadership and mentorship
