Sr Wholesale Credit Analyst

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Sr Wholesale Credit Analyst Job Function: Finance Location: Remote Company: Harley-Davidson Financial Services Full or Part-Time: Full Time

Harley-Davidson Financial Services (HDFS), a wholly-owned subsidiary of Harley-Davidson, Inc., offers a wide range of financial products and services to motorcycle enthusiasts and Harley-Davidson dealerships. Products available to consumers include financing on motorcycles, Motor Clothes™, and parts and accessories; cycle insurance; and extended service plans for Harley-Davidson® motorcycles.

You’ll play a pivotal role in helping us create the company we want to be. And for our employees and H‑D community it’s done through being fair, honest, positive and creative. This isn’t just any company. And yours isn’t just any career. It’s part of your story. Ride with us and make it legendary.

We maximize employee flexibility and well‑being through a virtual mindset that supports our highly distributed, global workforce. We take an outcome‑focused, people‑centered approach to winning, including welcoming the best talent - wherever they may be.

This remote role is not tightly linked to a physical location and provides flexibility in where, when and how you accomplish your work. Remote employees are expected to have a dedicated, quiet and distraction‑free work space and an internet connection that’s sufficient for completing their job remotely.

Under minimal supervision the Senior Credit Analyst is continually assessing and monitoring the overall financial viability and credit worthiness of the most complex business partners/customers located throughout the United States and Canada in accordance with policies and guidelines established in the company procedures manual. This would include periodic formal written credit memorandums and recommendations for credit lines, as well as more frequent monitoring and decision making throughout the year regarding ongoing risk assessment, temporary overline situations, and special credit line needs throughout the year.

In addition, the Senior Credit Analyst will assist with the training of new team members and help identify areas for improvement and training.

• Reviews and understands the corporate structure/ownership of the business partner/customers and affiliate companies and ensures that all documentation in the file provides adequate security in accordance with applicable guidelines.
• Works collaboratively with an Account Manager on an assigned group of dealers to understand the commercial business credit risk.
• Reviews and understands all Uniform Commercial Code information in the file, ensuring the Company maintains adequate access and priority to all collateral over other banks and lenders.
• Reviews personal credit reports and Dun & Bradstreet reports for any signs of poor payment or other issues.
• Reviews and inputs the business partner/customers financial statement information into Moody’s Financial Analyst software and any other required databases for peer analysis.
• Reviews internal payment performance of the business partner/customers.
• Analyzes all the above information and discusses with business partner/customers as needed throughout the year for risk assessment on an assigned number of accounts, as well as more formal credit memorandums that are approved by applicable authority.
• Reviews and makes recommendations on a daily basis for pending orders that take the business partner/customer above their approved credit line; on temporary or seasonal credit line increases, as well as used credit lines; and throughout the year on various structure changes that may affect Company documentation requirements.
• Protection 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,…