Lead Commercial Credit Analyst

Position Overview

International Financial is seeking an experienced and highly motivated Lead Commercial Credit Analyst to join our growing team. In this role, you will support our customers in financing the acquisition of International trucks and buses. You will have delegated credit approval authority and be responsible for expert credit underwriting of fleet customers. This position offers the opportunity to make a significant impact through sound credit analysis, team leadership, and strategic decision‑making within a collaborative and dynamic environment.

If you are a seasoned credit professional who thrives in a fast‑paced, team‑oriented environment and is passionate about driving excellence in commercial underwriting, we invite you to apply and join International Financial in shaping the future of transportation financing.

Navistar Financial Company (NFC) is the captive finance company for International Motors, LLC
* and the provider of International

TM Financial services.

• Develop and maintain strong relationships with internal and external commercial organizations and customers while evaluating credit requests.
• Serve as team leader for the structured underwriting team, providing guidance and oversight.
• Perform detailed financial analysis for new and existing customers to assess creditworthiness.
• Prepare clear, professional, and accurate credit write‑ups for presentation and approval.
• Recommend and approve credit decisions in accordance with delegated authority and dual‑signature policies.
• Communicate credit decisions effectively to all stakeholders.
• Ensure compliance with company credit policies, including adherence to risk ratings and timely completion of credit reviews.
• Collect and review due diligence materials and KYC (Know Your Customer) documentation.
• Verify the accuracy and completeness of loan and lease documentation.
• Ensure proper lien perfection and thorough documentation of all transactions.
• Provide training and mentorship to strengthen the credit skills of team members.
• Educate dealers on credit and documentation requirements to promote efficient processing.
• Collaborate with management to review, update, and improve credit policies and procedures.
• Assist in resolving post‑funding documentation or process issues.
• Continuously identify and implement opportunities for process improvement and efficiency.

• Bachelor’s degree
• At least 5 years of accounting or finance experience
• At least 1 year of lead experience

OR

• Master’s degree
• At least 3 years of accounting or finance experience
• At least 1 year of lead experience

OR

• At least 8 years of accounting or finance experience
• At least 1 year of lead experience

• Qualified candidates, excluding current employees, must be legally authorized on an unrestricted basis (U.S. Citizen, Legal Permanent Resident, Refugee or Asylee) to be employed in the United States. We do not anticipate providing employment‑related work sponsorship for this position (e.g., H‑1B status).

• Highly desired – Minimum of 5 years of commercial credit underwriting experience on transactions or credit lines exceeding $10 million, preferably within the transportation sector.
• Demonstrated expertise in financial statement analysis and the assessment of large‑exposure credit risks.
• Self‑starter with demonstrated initiative, accountability, and the ability to work both independently and collaboratively.
• Proven ability to lead a team and manage multiple complex transactions effectively.
• Strong analytical, problem‑solving, and business writing skills.
• Proficiency in Microsoft Excel, Word, Power BI, and Moody’s Credit Lens.
• Experience with finance and lease documentation, including negotiation of terms, understanding of insurance requirements, and lien perfection.
• Exceptional communication skills, including the ability to engage with C‑level executives and business owners.
• In‑depth knowledge of transportation industry credit policies and procedures.

We provide a competitive total rewards package which ensures job satisfaction both on and off the job. We offer market‑based compensation, health benefits, 401(k)…