Senior; Commercial Credit Analyst

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 candidate’s primary objective is to conduct detailed financial statement analysis for both public and privately held businesses, continuously manage credit facilities, 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.

• Perform commercial underwriting of new and existing credit facilities through the analysis of year‑end and interim financial reports, account reconciliation activities, vehicle equity and aging reports, and due diligence.
• Act as a portfolio manager by interacting with clients and their accountants, controllers, or CFOs to collect information and due diligence materials necessary for credit review.
• Facilitate discussions and effectively communicate the rationale for a credit decision at the highest levels in the company (i.e., Credit Committee including CEO, CFO, and Treasurer).
• Ensure each step of the underwriting and renewal process is compliant with company and regulatory guidelines, policies, procedures and methodology.
• Establish scalable, efficient and automated processes for credit analysis and monitoring.
• Coordinate with cross‑functional teams to create automated financial reporting dashboards.
• Assess work procedures and expedite workflow.
• Assist with the development of internal credit risk tooling and data migration activities.
• Perform ad‑hoc data analysis and reporting.
• Handle ordering issues as the need arises, with the goal of managing the issue to completion prior to its elevation to Management.
• Generate reporting and system queries as necessary to support credit portfolio management activities, department initiatives and processes.
• Maintain positive, cooperative working relations with Sales staff, Client Services, Purchasing and other internal and external customers.
• Other duties and responsibilities as assigned.

• Demonstrate ethics and integrity.
• Develop adaptability.
• Display drive and purpose.
• Exhibit leadership stature to members and key stakeholders for the origination and presentation of credit requests.

• Understanding financial statements used to form a credit basis in a commercial B2B environment and continuously recognizing industry trends and potential risks over time.
• Knowledge of credit risk scoring methodologies and credit risk mitigation techniques.
• Technical abilities, including experience with SQL queries.
• Strong time and project management skills to successfully work on multiple analytical assignments without loss in quality while meeting credit renewal timelines.

• 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 SQL queries (preferred).
• Partner with cross‑functional teams to improve credit reporting, portfolio monitoring, and financial analysis tools that support timely credit decision‑making.
• Experience working with financial data, reporting tools, and system‑generated reports to support credit analysis, portfolio monitoring, and management reporting.

Position can be located in Alpharetta, GA or Schaumburg, IL. Operates in a professional office environment.

Full‑time, hybrid position:
Tue‑Wed onsite;
Monday through Friday 8a.m.–5p.m.

Minimal travel (≤5%) is expected.

Speak, hear, and see; use hand and fingers for computer keyboard and phone. Sit or stand for extended periods. Reach above head to pull paper attachments.

$87,100–$121,900. Base salary range. This position is eligible to participate in the annual incentive plan based on company performance and individual performance. Compensation ranges are based on several factors including job function, level, and…