Credit Manager

Job Title

Sr. Commercial Credit Underwriter/Analyst

Department: Underwriting
Reports To: Credit Manager
FLSA Status: Exempt

Prepare written credit narratives for large dealer relationships based on information obtained by various parties in the course of a multidisciplinary review. Audiences will include credit committees and individual reviewers.

Northpoint has an excellent opportunity for a Sr. Commercial Credit Underwriter/Analyst to join our Underwriting team in Alpharetta, GA. The ideal candidate will effectively apply our underwriting guidelines to review inventory finance transactions to identify those that comply with our stated risk appetite. These guidelines encompass collateral and credit risk assessment and customary KYC due diligence procedures. The candidate must have effective written and oral communication skills, including the ability to write concise and impactful reviews centered around the cash cycle of a dealership.

• Perform cash flow analysis for companies with large investments in inventory using Moody’s-produced spreadsheets.
• Structure complex transactions and negotiate complex credit documentation to mitigate risk appropriately.
• Draw connections between behavioral scores and indicators unique to Northpoint that together gauge a dealer’s financial condition.
• Effectively manage the flow of credit files by communicating regularly with internal and external clients.
• Utilize common sense and a sound understanding of accounting principles to lessen the risks of relying on internally-prepared financial statements that lack independent testing. Analysts with ABL backgrounds are well-suited for this type of work.
• Complete special reviews associated with permanent increases, temporary increases, overlines, product additions, financial triggers, and high-risk account monitoring.
• Prepare and deliver presentations to executives, committees and loan participants.
• Other projects, assignments, or functions in support of portfolio risk management as needed.

• Bachelor’s degree in Accounting/Finance/Business Administration.
• 5+ years of commercial lending or underwriting/financial analysis experience or equivalent experience.
• Strong analytical skills.
• Cross-functional team environment skill set and ability to work independently.
• Excellent verbal, written, and interpersonal skills.
• Strong communication and presentation skills.
• Ability to effectively manage multiple priorities and work as needed to ensure deadlines are met in a fast-paced environment.
• Minimal travel required.
• Experience working within a regulated lending environment.
• Experience with internal and/or external auditors.
• Experience with development and/or maintenance of tracking tools including process workflow or compliance with internally set guidelines.