Overview

The Analyst II Commercial Credit-Underwriting completes financial analysis for floorplan acquisitions, loan proposals and renewals of existing credit lines, in addition to completing a review of the dealer’s monthly financial operating statements. This includes analysis of automotive dealerships financial statements, accurate reporting of findings, ensuring corporate compliance and risk management, as well as contact with dealership personnel and communication with internal/external stakeholders. Provide recommendations and supporting documentation and mitigate risk.

Responsibilities

Analyze financial statements of automotive dealerships and related customers (40%)

  • Interfacing with customers and internal/external stakeholders to obtain data to complete analysis
  • Monitor and manage assigned portfolio with data obtained from both internal and external sources
  • Recommend approval or action plan to obtain the floorplan business
  • Assigning accurate risk ratings

Review dealers monthly operating statements (35%)

  • Spread and adjust operating statements, as needed
  • Calculate and review dealers monthly Risk Ratings
  • Monitor and react to negative trends in order to mitigate potential losses
  • Recommend temporary and /or permanent credit line increases

Preparing management summaries/proposals for credit committee approval (10%)

  • Ensure potential risks and exposures are communicated to management
  • Facilitates regular and productive account reviews with CLS leadership, Risk and Sales Team

Central point of contact for all internal and external customer commercial lending request or inquires (10%)

  • Effectively correspond with dealers, management, and peers
  • Provide customer service level support on dealers inquiry on GM Financial wholesale system, products and policies

Miscellaneous (5%)

  • Stays abreast of federal and provincial laws and accounting guidelines, in order to ensure dealer’s compliance with related guidelines
  • Perform other duties as assigned

Qualifications

Knowledge

  • Working knowledge of Oracle GL System preferred
  • Working knowledge of Infolease Leasing System preferred
  • Working knowledge of Accounting

Education

  • Secondary School • Business, Finance or Accounting preferred

Experience

  • Five or more years of directly related experience in financial analysis and experience in automotive dealership commercial lending environment required

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