Job Title: Senior Credit Analyst

Job Summary:

We are seeking a detail-oriented and experienced Senior Credit Analyst to join our dynamic team. In this pivotal role, you will be responsible for assessing and making informed decisions on a continuous stream of credit applications from diverse customer profiles. You will lead a dedicated team focused on underwriting, processing, and managing accounts receivable while effectively communicating credit policies and decisions to various stakeholders. Your analytical skills will play a crucial role in shaping our credit strategies and enhancing our operational efficiency.

Key Responsibilities:

Credit Evaluation: Review and make credit decisions on a high volume of applications, considering various customer types and loan amounts.
Team Leadership: Guide and mentor a small team responsible for underwriting, processing, and accounts receivable to ensure accurate and timely credit assessments.
Stakeholder Communication: Clearly communicate credit decisions and company policies to sales teams, colleagues, and credit applicants, fostering strong relationships.
Reporting & Analysis: Prepare and present reports on department metrics and credit trends, providing insights to drive strategic decision-making.
Criteria Enhancement: Collaborate in the ongoing improvement and updating of credit rating criteria to reflect market conditions and risk assessments.
Documentation Oversight: Ensure the thorough preparation and review of documentation related to credit applications and decisions.

Requirements:

Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.
3-5 years of experience in commercial and/or consumer underwriting.
Strong knowledge of secured installment loans and associated risk factors.
Proven ability to build and maintain relationships with key customers and distributors.
Exceptional written and verbal communication skills to convey complex information to diverse audiences.
Proficiency in Microsoft Excel (intermediate to advanced level).

Preferred Qualifications:

Experience working in a captive finance company.
Prior management experience and the ability to lead a team effectively.
Familiarity with leasing products.
Experience presenting to credit committees and/or shareholders.

This role is responsible for evaluating the credit history of individuals or organizations to identify the risk level of loaning them money. This position will make recommendations based on the results of their assessments using credit agency tools.

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The Wittern Group

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Senior Credit Analyst