Sany Capital USA, Inc. · 20 hours ago
Credit Analyst/Manager
Atlanta Metro
Full-time
Onsite
Mid, Senior Level
3+ years expSany Capital USA, Inc. is a leading U.S.-based captive finance company supporting equipment solutions. They are seeking a highly detailed Financial/Credit Analyst to analyze credit data and financial information, manage the credit management system, and control overall risk in the department.
Financial Services
Hiring Manager
Darcey Fuller
Responsibilities
Extensive understanding of complex corporate structures and ability to identify creative ways to construct credit approvals, including guarantor relationships (personal and corporate)
Ability to review and parse organizational corporate documents, including confirmation of good standing with applicable Secretary of State for entity
Ability to perform complex credit analysis and financial spreading (for entity and any guarantors) and interpret results in written summary (detailing key financial factors and performance)
Full underwriting of new prospective dealers, including determining credit risk, risk rating and viable credit limit as well as how to structure approval
Credit review and approvals for Direct Customers of parent company
Manage the commercial loan portfolio (dealer floor plan financing lines of credit), which includes renewal of maturing loans and lines of credit, quarterly and annual reviews, including updated risk ratings and completion of credit memos
Ability to review and underwrite credit limit modifications
Credit holds - decisioning when to place holds and reviewing manual holds to determine if release is appropriate
Extensively working with retail finance partners to negotiate quarterly programs and rates and prepare updated Riders
Covenant tracking, including collection of valid insurance policies
Reviewing and analyzing credit requests to determine financial and non-financial strengths, risk levels, and feasibility of proposed credit relationships and transactions
Analyzing and communicating financial condition and performance (historic, current and projected) of proposed and existing customers
Evaluating trends in customer data to promptly identify and report areas of concern and/or potential problem loan, determining courses of action to mitigate identified risks and/or concerns
Extensive communication with dealers on financial data collection, viable options for problem loans, modifications on existing loans, etc
Full maintenance and implementation of credit system (nCino) updates/changes
Own the credit system reporting process to include weekly reporting, system updates and data syncing reporting
Adhere to all policies, procedures, processes, company practices, guidelines, expectations, laws and regulations and stay abreast of new commercial lending developments and changing government regulations
Develop and maintain effective work relationships at all levels of the organization by participating and contributing to a positive work environment that exhibits courteous, respectful and professional behavior
Demonstrate consistent professional appearance, image, ethics, integrity, demeanor, and represent the Sany brand
Qualification
Required
Bachelor's degree in Finance, Accounting, Economics, Business Administration or related field
Minimum three to five years of commercial underwriting experience in banking, commercial finance, and/or captive finance environment; understanding of equipment manufacturer dealer floor plan financing a plus
Overall knowledge of commercial loan underwriting (and full commercial lending process), complex corporate structures and sound understanding of credit worthiness
High level of credit underwriting experience and extensive knowledge of reviewing, spreading, analyzing and interpreting financial data and decisioning credit limits and risk assessments
High level decision making and accountability and ability to effectively communicate with dealer principles and internal executives
Ability to propose risk mitigation plans of action
Ability to work in ad hoc environment/situations/projects
Very strong Microsoft Excel (formulas, graphs, spreadsheets, pivot tables, v-lookup, etc.); experience with Microsoft Office
Ability to calculate figures, amounts, ratios, formulas, compute interest, discounts, fees, etc
Effective written communication which includes the ability to query reports, create reports and letters
Time management skills with the ability to plan, create, maintain and resolve open issues, analyze workflow, demonstrate sense of urgency and set priorities to meet deadlines
Process driven, detailed oriented, results driven and self-motivated
Self-starter who is responsive, organized, self-motived with the ability to produce accurate results, meet all established goals, objectives and expectations, and comply with all policies, procedures, regulations, guidelines and laws
High energy with a sense of urgency who is resilient and self-confident along with ability to be adaptable to changes
Ability to effectively handle and maintain confidential matters and information
Preferred
Knowledge of construction equipment financing and experience with nCino preferable
Working experience with nCino and/or Salesforce, a plus
Company
Sany Capital USA, Inc.
OVERVIEW: Sany Capital USA, Inc. is the U.S. based captive finance business supporting SANY Group businesses in the U.S., Canada, and Latin America.
201-500 employees
Funding
Current Stage
Growth StageCompany data provided by crunchbase