Credit Analyst Sr

Position Overview

International Financial Corporation has an exciting opportunity for a Senior Credit Analyst to support customers financing their acquisition of International trucks and buses. This is a dynamic role with credit approval authority, focused on providing credit underwriting of owner-operators and small- to mid-size fleet customers.

We’re seeking a driven professional with a keen eye for detail and a passion for credit underwriting. If you thrive in a fast-paced environment and enjoy making critical decisions, we would like to hear from you!

Responsibilities

• Daily interaction with dealers, finance managers, and internal sales teams regarding credit requests

• Perform credit assessment on existing and potential new customers

• Complete credit memo templates in a clean, accurate, and professional manner

• Make recommendations regarding credit decisions to NFC Credit Management

• Exercise credit approval authority consistent with NFC’s dual signature policy

• Communicate credit decisions to internal and external parties

• Ensure compliance with all company reporting policies, such as risk ratings and scorecards

• Minimize NFC’s risk exposure by adhering to internal credit policies and procedures with respect to lending decisions

• Collect and gather standard due diligence and KYC information

• Ensure loans and leases are properly documented and the liens are perfected

• Educate dealers on credit and documentation requirements

• Support the execution of strategic credit, sales, and marketing initiatives

• Assist management in creation and update of policies, procedures, reports, and desktop manuals

• Assist in remediating post-funding documentation exceptions

Minimum Requirements

• Bachelor's degree and at least 1 year of accounting or finance experience

OR

• Master's degree and no experience

OR

• At least 3 years of accounting or finance experience

Additional Requirements

• Qualified candidates, excluding current employees, must be legally authorized on an unrestricted basis (US 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)

Desired Skills

• 1+ years of credit underwriting experience, preferably in the transportation sector

• Working knowledge of consumer credit bureaus, PayNet, LexisNexis, and DocuSign

• Strong analytical skills, business writing skills, and proficiency with applications including Excel, Word, Power BI, and T-Value

• Ability to work independently and within a team environment

• Ability to effectively communicate with internal and external stakeholders

• Knowledge of the transportation industry and related credit policies and procedures

• Proficiency in finance and lease documentation, insurance, and lien perfection

• Ability to effectively prioritize workloads that include multiple transactions