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International · 1 month ago

Lead Commercial Credit Analyst

Lisle, IL

Full-time

Onsite

Senior Level

5+ years exp

International Financial is seeking an experienced and highly motivated Lead Commercial Credit Analyst to join our growing team. In this role, you will support our customers in financing the acquisition of International trucks and buses, with responsibilities including expert credit underwriting and team leadership.

AutomotiveFinancial ServicesManufacturing

No H1B

Responsibilities

Develop and maintain strong relationships with internal and external commercial organizations and customers while evaluating credit requests

Serve as team leader for the structured underwriting team, providing guidance and oversight

Perform detailed financial analysis for new and existing customers to assess creditworthiness

Prepare clear, professional, and accurate credit write-ups for presentation and approval

Recommend and approve credit decisions in accordance with delegated authority and dual-signature policies

Communicate credit decisions effectively to all stakeholders

Ensure compliance with company credit policies, including adherence to risk ratings and timely completion of credit reviews

Collect and review due diligence materials and KYC (Know Your Customer) documentation

Verify the accuracy and completeness of loan and lease documentation

Ensure proper lien perfection and thorough documentation of all transactions

Provide training and mentorship to strengthen the credit skills of team members

Educate dealers on credit and documentation requirements to promote efficient processing

Collaborate with management to review, update, and improve credit policies and procedures

Assist in resolving post-funding documentation or process issues

Continuously identify and implement opportunities for process improvement and efficiency

Qualification

Commercial credit underwritingFinancial statement analysisTeam leadershipMicrosoft ExcelMoody’s CreditLensTransportation industry knowledgeAnalytical skillsBusiness writing skillsProblem-solving skillsCommunication skillsNegotiation skills

Required

Bachelor's degree

At least 5 years of accounting or finance experience

At least 1 year of lead experience

OR Master's degree

At least 3 years of accounting or finance experience

At least 1 year of lead experience

OR At least 8 years of accounting or finance experience

At least 1 year of lead experience

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)

Preferred

Highly desired - Minimum of 5 years of commercial credit underwriting experience on transactions or credit lines exceeding $10 million, preferably within the transportation sector

Demonstrated expertise in financial statement analysis and the assessment of large-exposure credit risks

Self-starter with demonstrated initiative, accountability, and the ability to work both independently and collaboratively

Proven ability to lead a team and manage multiple complex transactions effectively

Strong analytical, problem-solving, and business writing skills

Proficiency in Microsoft Excel, Word, Power BI, and Moody's CreditLens

Experience with finance and lease documentation, including negotiation of terms, understanding of insurance requirements, and lien perfection

Exceptional communication skills, including the ability to engage with C-level executives and business owners

In-depth knowledge of transportation industry credit policies and procedures