Wheels

Title: Sr Credit Analyst remote type Hybrid locations - Schaumburg, IL - Alpharetta, GA time type Full time Job Description: 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 Analyst'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. KEY RESPONSIBILITIES - ESSENTIAL FUNCTIONS: - 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 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 LEADERSHIP RESPONSIBILITIES: - This position’s leadership responsibilities involve demonstrating ethics and integrity, developing adaptability, displaying drive and purpose, and exhibiting leadership stature to members to key stakeholders for the origination and presentation of credit requests. COMPETENCIES - SKILLS: - Understanding financial statements used to form a credit basis in a commercial business-to-business environment and continuously recognizing industry trends and potential risks to our organization over time - Knowledge of credit risk scoring methodologies and credit risk mitigation techniques - Technical abilities include programming experience (Python or R) and writing SQL queries - Ability to use visualization software (Tableau or Power BI) to create dashboards - Strong time and project management skills to successfully work on multiple analytical assignments without loss in quality while meeting credit renewal timelines EDUCATION and EXPERIENCE: - 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 - Proficiency with Python or R (or similar programming languages) and Excel/VBA - Effective communicator at all levels of the organization - Experience with SQL and utilizing the queried data to develop Tableau or Power BI dashboards CORE VALUES At Wheels, we believe in fostering a culture that is built on our Core Values and Guiding Principles. We cultivate a culture of excellence and innovation by upholding these values, driving our collective success and growth. - Integrity – Always act with integrity and honesty. - One Team – Treat others with dignity and respect; act as a cohesive, inclusive and accountable team that is making a difference. - Innovation – Drive continuous improvement, spark creativity and embrace next generation thinking. - Customer Success – Ensure that customer and driver success is at the heart of everything we do. CULTURAL ATTRIBUTES At Wheels, our culture guides us how we work every day, and we look for team members who show these behaviors: - Discipline Drives Quality – Plan the Trip: Think proactively, hold a high bar, follow through by leveraging experience and systems. To produce quality outcomes, we must be intentional and deliberate in everything we do, from big bets to daily execution. - Intellectually Curious – Fuel Your Minds: Be bold, challenge assumptions, think differently, look outside the box. Strive to unlock your own thinking and create new possibilities. - Commit and Deliver – Own It: Take responsibility for your work, from start to finish, and be accountable for the results. Think and act like an owner of the business. - Relationships Matter – Share the Ride: Trust is central, both with key internal and external stakeholders. Relationships are not a side effect of work but a driver of success. JOB SPECIFICATIONS, PHYSICAL DEMANDS and WORK ENVIRONMENT - Work Environment: This position can sit in either Alpharetta, GA or Schaumburg, Ill and operates in a professional office environment. - Position Type/Standard Schedule: This is a full-time, hybrid position Tue-Wed onsite) Monday through Friday 8a-5pm. - Travel: Minimal travel of 5% is expected for this position. - Physical Demands: Speak, hear, and see, and use hand and fingers for computer keyboard and phone. Sit or stand for extended periods of time. Reach above head to pull paper attachments. DISCLAIMER Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice. Our Benefits Wheels recognizes benefits are a significant part of your employee experience, and we've created a robust benefits package that is market-leading, competitive offerings so you and your family can receive outstanding care. Please click here for an overview of the benefits available to you and your family. Pay Range: $87,100-$121,900 The base salary range for this position is listed above. This position is eligible to participate in the annual incentive plan which is based on company performance and individual performance. Compensation ranges are based on several factors including job function, level, and geographic location. Final offer amounts are determined by multiple factors including candidate experience, education, certifications, skill level and expertise, and may vary from the amounts listed here. EEO Statement Wheels is a Drug-Free Workplace. All employment is contingent on successful completion of drug and background screening. Wheels is an equal opportunity affirmative action employer and administers all personnel practices without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, marital status or domestic partnership status, disability, protected veteran status or military status, genetic information, or any other category protected under applicable law. Wheels is committed to taking affirmative steps to promote the employment and advancement of minorities, women, persons with disabilities and protected veterans.

Title: Credit Analyst Location: Alpharetta, GA Full time job requisition id R5204 Job Description: The Credit Analyst analyzes the long-term financial viability of potential clients by employing sophisticated financial analysis techniques and providing on-going portfolio analysis to monitor current client base. The position also requires the analyst to advance the sales department’s understanding of each prospective client and existing clients' risk profile to increase efficiencies in sales development. Assisting the Account Receivables Dept based on client collections issues and opportunities is expected. KEY RESPONSIBILITIES - ESSENTIAL FUNCTIONS - Analyze prospective clients using fundamental financial analysis techniques, including balance sheet, income statement and cash flow measurements as well as industry factors and portfolio concentration issues - Review and make appropriate decisions on business credit applications which meet acceptable underwriting standards and are compliant with company guidelines - Gather necessary documentation, conduct thorough due diligence to determine the suitability of loan requests, and prepare a detailed credit report summarizing the financial analysis, collateral position, and overall risk assessment including a recommendation for approval or denial - Apply quantitative concepts and processes in a judgmental environment to accurately assess risk and balance with expected profitability to the Company - Communicate credit decisions to relevant partners and effectively negotiate to “win" desired applications - Perform ad-hoc data analysis and reporting - Establish scalable and efficient and automated processes for credit analysis and monitoring - Coordinate with cross-functional teams to develop financial reporting dashboards - Research, recommend approval/decline and monitor existing clients for additional exposure - Perform monthly, quarterly, annual credit reviews on existing clients based on the department’s credit review procedures - Develop and foster relationships with the sales force - Maintain credit files and requests, track and analyze required financial information - Other duties assigned to ensure overall departmental efficiency LEADERSHIP RESPONSIBILITIES - This position has no leadership responsibilities COMPETENCIES - SKILLS - Excellent analytical and problem-solving skills - Strong oral - written communication skills, including the ability to interact with internal and external clients at multiple levels - Strong negotiation skills - Ability to meet deadlines, function under pressure and manage multiple tasks - Develop sufficient internal and external relationships that ensure volume objectives and credit quality - Strong organizational / time-management skills EDUCATION and EXPERIENCE - Bachelor's degree in business or finance field, in conjunction with formal commercial credit training - Minimum 3 years of commercial credit analysis experience, preferably at a financial institution - Thorough knowledge of credit analysis and loan/lease documentation, and other facets of commercial credit, including knowledge of credit laws and regulations - Demonstrated ability to communicate effectively with relationship managers and other internal stakeholders to discuss credit assessments, provide insights, and collaborate on loan decisions - Strong computer skills including proficiency in Microsoft Office (Excel - Pivot Tables, Lookups) - Salesforce experience is a plus CORE VALUES At Wheels, we believe in fostering a culture that is built on our Core Values and Guiding Principles. We cultivate a culture of excellence and innovation by upholding these values, driving our collective success and growth. - Integrity – Always act with integrity and honesty. - One Team – Treat others with dignity and respect; act as a cohesive, inclusive and accountable team that is making a difference. - Innovation – Drive continuous improvement, spark creativity and embrace next generation thinking. - Customer Success – Ensure that customer and driver success is at the heart of everything we do. CULTURAL ATTRIBUTES At Wheels, our culture guides us how we work every day, and we look for team members who show these behaviors: - Discipline Drives Quality – Plan the Trip: Think proactively, hold a high bar, follow through by leveraging experience and systems. To produce quality outcomes, we must be intentional and deliberate in everything we do, from big bets to daily execution. - Intellectually Curious – Fuel Your Minds: Be bold, challenge assumptions, think differently, look outside the box. Strive to unlock your own thinking and create new possibilities. - Commit and Deliver – Own It: Take responsibility for your work, from start to finish, and be accountable for the results. Think and act like an owner of the business. - Relationships Matter – Share the Ride: Trust is central, both with key internal and external stakeholders. Relationships are not a side effect of work but a driver of success. JOB SPECIFICATIONS, PHYSICAL DEMANDS and WORK ENVIRONMENT - Work Environment: This hybrid position (3 days onsite) is in either Schaumburg, IL or Alpharetta, GA - Position Type/Standard Schedule: This is a full-time position, Monday through Friday; 8a-5p - Travel: No travel is expected for this position - Physical Demands: While performing the duties of this job, the employee must regularly talk and hear, and use hands and fingers to operate call center tools DISCLAIMER Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice. Our Benefits Wheels recognizes benefits are a significant part of your employee experience, and we've created a robust benefits package that is market-leading, competitive offerings so you and your family can receive outstanding care. Please click here for an overview of the benefits available to you and your family. Pay Range: $55,100-$77,100 The base salary range for this position is listed above. This position is eligible to participate in the annual incentive plan which is based on company performance and individual performance. Compensation ranges are based on several factors including job function, level, and geographic location. Final offer amounts are determined by multiple factors including candidate experience, education, certifications, skill level and expertise, and may vary from the amounts listed here. EEO Statement Wheels is a Drug-Free Workplace. All employment is contingent on successful completion of drug and background screening. Wheels is an equal opportunity affirmative action employer and administers all personnel practices without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, marital status or domestic partnership status, disability, protected veteran status or military status, genetic information, or any other category protected under applicable law. Wheels is committed to taking affirmative steps to promote the employment and advancement of minorities, women, persons with disabilities and protected veterans.