Credit Products Analyst II - Dealer Finance

Overview

This role builds on foundational credit experience by taking on more complex underwriting and portfolio management responsibilities in dealer finance. The analyst supports Credit Products Specialists in assessing credit risk, structuring commercial loans, and monitoring portfolio performance. Responsibilities include independently conducting financial analysis, preparing risk ratings, and providing insights on credit decisions, while continuing to refine industry expertise and technical skills.

Responsibilities

Credit Risk Analysis & Portfolio Management

• Conduct financial spreading and risk rating analysis
• Perform detailed credit due diligence and industry research
• Prepare annual and periodic credit reviews
• Monitor borrower performance and track financial covenants
• Recommend risk rating adjustments based on financial trends

Loan Structuring & Underwriting Support

• Assist Credit Products Specialists in structuring new loans and modifications
• Prepare internal credit approval memoranda
• Conduct market and collateral analysis
• Review and interpret due diligence reports
• Partner with Relationship Managers to prepare financing-related pitch materials

Relationship & Internal Collaboration

• Work with Relationship Managers, Credit Officers, and Credit Products Specialists to provide data-driven insights
• Participate in client discussions and presentations as needed

Special Projects & Professional Development

• Contribute to process improvement initiatives
• Continue professional development through credit training programs
• Support policy updates and regulatory compliance efforts

Additional Accountabilities

• Perform special projects and other duties as required
• Adhere to regulatory and compliance policies and complete required compliance trainings
• Maintain compliance with applicable federal, state, and local laws and regulations

Requirements

Required Qualifications

• Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related discipline
• 3+ years in commercial banking, credit analysis, or a related field

Preferred Qualifications

• Exposure to commercial credit structuring and deal underwriting

Job Competencies

• Advanced Financial & Credit Analysis: proficiency in financial modeling, credit risk assessment, and industry research
• Risk Assessment & Decision-Making: ability to analyze complex credit situations and recommend solutions
• Process & Portfolio Management: strong skills in tracking financial reporting and monitoring credit agreements
• Collaboration & Influence: works effectively with Relationship Managers, Credit Officers, and external partners
• Problem Solving: applies critical thinking to resolve credit issues and assess risk exposure
• Technology & Data Utilization: proficient in financial analysis tools, CRM systems, and Excel (pivot tables, financial modeling)
• Strong relationship-building and clear communication with stakeholders; proactive collaboration and use of cross-functional insights

Compensation & Benefits

• Pay Range: $58,176.00 - $95,799.00
• Benefits may include medical, dental, vision, life, and disability insurance, along with a comprehensive leave program
• Total compensation may include variable incentives, bonuses, commissions, or other awards as outlined in the offer of employment
• Actual starting base pay is determined based on location, experience, and other non-discriminatory factors permitted by law

Location

Nationwide, MI 48098

Equal Opportunity / Fair Chance

Qualified applicants with arrest or conviction records will be considered for employment in accordance with the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance, the City of Los Angeles Fair Chance Initiative for Hiring Ordinance, and the San Francisco Fair Chance Ordinance, as applicable.