Credit Analyst

• Location 318 Sany Way,Peachtree City, GA, 30269,United States
• Employee Type FT Exempt

As part of the Americas team, SANY Capital USA is seeking highly motivated Financial/Credit Analyst. This role will analyze credit data and financial information of persons or companies that are applying for credit or loans to determine the risk to Sany Capital USA or other credit-granting institutions. Financial/Credit Analyst will prepare weekly monitoring reports as needed and assist the Credit Manager to control the overall risk of the Department.

This ideal candidate for this role will be a go getter who takes on extra responsibilities and tasks, who learns new skills independently, who helps others and who is consistently seeking innovative ways to get the job done.

With current revenues over $500 million, SANY America continues to make strong progress and significant investments in the Americas market; the organization is now pursuing an aggressive growth strategy and is looking to move quickly beyond this initial platform and increase market share.

Manages credit and risk process for semi-standard to more complex small to large sized inventory lines for dealerships in the equipment industry.

Responsible to analyze and underwrite new and existing smaller ticket lease/loan transactions.

Work with team members to manage the financial vendors & programs in Canada and United States

Process the daily retail deals from the Vendors & SCUS from time to time

The position requires a candidate to have very strong credit and analytical skills, who can multi-task and work in a high-paced team environment.

Reviewing and analyzing credit requests to determine financial and non-financial strengths, risk levels, and feasibility of proposed credit relationships and transactions.

Analyzing and communicating financial condition and performance (historic, current and projected) of proposed and existing customers.

Establishing and determining appropriate controls and formulas as may be required based on complexity and risk of a credit proposal

Evaluating trends in customer data to promptly identify and report areas of concern and/or potential problem loan, determining courses of action to mitigate identified risks and/or concerns

Determine proper credit structure and controls necessary to monitor the structure (i.e. regulatory, inventory, account receivable terms, pricing, etc.) and then presenting conclusions to Senior Management team

Manage the commercial loan portfolio, which includes renewal of maturing loans and lines of credit

Provide communication (oral and written) with customers concerning loan documentation

Assist with collection efforts on delinquent or problem accounts

Lead initiatives which add value, supports SANY vision, core values, business principles, goals and objectives

Adhere to all policies procedures, processes, company practices, guidelines, expectations, laws and regulations

Staying abreast of new developments in the field of commercial lending and changing government regulations

Develop and maintain effective work relationships at all levels of the organization by participating in and contributing to a positive work environment that exhibits courteous, respectful and professional behavior

Demonstrate consistent professional appearance, image, ethics, integrity, demeanor, and represent the SANY brand

Responsible for drafting and organizing the review of documents related to technical modifications, ensuring localization and finalization

Conducting market research and visits as assigned by subsidiary for product-related activities.

Handling other tasks assigned by leadership

Minimum 3 years of experience underwriting within the equipment leasing space. Previous captive finance experience is preferred

Working knowledge of commercial loan underwriting with sound understanding of credit worthiness

Proficient using advanced Microsoft Excel (formulas, graphs, spreadsheets, pivot tables, v-lookup, etc.); experience with Microsoft Office

Ability to calculate figures, amounts, ratios, formulas, compute interest, discounts, fees, etc.

Working experience with Cino and Info please/Solifi, a plus

Effective written communication which includes the ability to query reports, create reports and letters

Ability to read, analyze and interpret commercial, consumer and equipment loan documents along with reports

Strong communication, presentation skills and teamwork skills with the ability to build…