Sr Wholesale Credit Analyst

Sr Wholesale Credit Analyst

Location:

Remote (United States and Canada). Company:
Harley-Davidson Financial Services (HDFS), a wholly-owned subsidiary of Harley-Davidson, Inc.

Job Summary
Under minimal supervision the Senior Credit Analyst continually assesses and monitors the overall financial viability and credit worthiness of the most complex business partners/customers located throughout the United States and Canada in accordance with policies and guidelines established in the company procedures manual. This includes periodic formal written credit memorandums and recommendations for credit lines, as well as more frequent monitoring and decision making throughout the year regarding ongoing risk assessment, temporary overline situations, and special credit line needs.

The Senior Credit Analyst also assists with training new team members and identifies areas for improvement and training.

• Review and understand the corporate structure/ownership of the business partner/customers and affiliate companies, ensuring all documentation in the file provides adequate security in accordance with applicable guidelines.
• Work collaboratively with an Account Manager on an assigned group of dealers to understand the commercial business credit risk.
• Review and understand all Uniform Commercial Code information in the file, ensuring the company maintains adequate access and priority to all collateral over other banks and lenders, etc.
• Review personal credit reports and Dun & Bradstreet reports for any signs of poor payment or other issues.
• Input the business partner/customers financial statement information into Moody’s Financial Analyst software and any other required databases for peer analysis.
• Review internal payment performance of the business partner/customers.
• Analyze all the above information and discuss with business partner/customers as needed throughout the year for risk assessment on an assigned number of accounts, as well as produce formal credit memorandums that are approved by applicable authority.
• Recommend on a daily basis for pending orders that take the business partner/customer above their approved credit line, temporary or seasonal credit line increases, used credit lines, and throughout the year on various structure changes that may affect company documentation requirements.
• Protect information and comply with the law. All employees must follow established safeguards, including policies regarding data protection, segregation of duties, and access to information based solely on business need. Employees must maintain awareness and understanding of relevant laws, regulations, internal policies and procedures, and comply with all of them.

High School Diploma or Equivalent Required

• Typically requires a minimum of 5 years of related experience.
• 5 years related experience in commercial credit, finance, banking, accounting, or other business field required.
• Professional written and communication skills required.
• Knowledge and proficiency in MS Office applications, as well as other computer skills required.

• Specific knowledge of financial statement analysis, concepts of accounting.

The pay range shown represents the national average pay range for this role. Your pay may be more or less than the stated range and is dependent on your geographic location and level of experience.
We offer an inclusive compensation package for all full-time salaried employees including annual bonus programs, health insurance benefits, a 401(k) program, onsite fitness centers and employee stores, employee discounts on products and accessories, and more.

Applicants must be currently authorized to work in the United States.
Visa Sponsorship:
This position is not eligible for visa sponsorship or visa transfer.
Relocation:
This position is not eligible for relocation assistance.

Direct Reports:
Yes

Travel Required:

10 - 25%

Harley-Davidson is an equal opportunity employer that continues to build a culture of inclusion, belonging and equity through our commitment to attracting and retaining diverse talent from all backgrounds, without regard to race, color, religion, sex, sexual orientation, national origin, gender identity, age, disability, veteran status or any other characteristic protected by law. We believe in fairness and providing a level playing field for all.

Auto req : 40481
Job Function
:
Finance
Title
:
Sr Wholesale Credit Analyst
Full or Part-Time
:
Full Time