Sr. Credit Analyst - Commercial Underwriting and Portfolio Risk

Job Description: The Sr. Credit Analyst - Com mercial Underwriting and Portfolio Risk role is responsible for the timely and accurate underwriting of new and existing commercial credit lines through business financial statement analysis, investigations and communications with all relevant stakeholders. This role's primary objective is to conduct detailed financial statement analysis for both public and privately held businesses, continuously manage credit exposures, and perform customer due diligence for new and existing clients to ensure that the Wheels US credit portfolio is of strong credit quality and within the established risk appetite. KEY RESPONSIBILITIES – ESSENTIAL FUNCTIONS • Underwrite new and existing credit facilities through financial analysis, due diligence, and review of deal terms, structure, and legal documentation • Conduct due diligence on prospects and clients with senior management • Construct and manage DCF (discounted cash flow) and cash flow models including sensitivity analyses to mitigate risk across diverse portfolios • Present comprehensive credit packages including detailed free cash flow analysis, capital structure assessment, and projected asset risk coverage to executive leadership • Build scalable and efficient credit analysis and monitoring processes • Partner with cross-functional teams to assess projected asset risk coverage, department initiatives, system development, and workflow improvements • Ensure accurate internal risk ratings and support portfolio management, • Conduct training to assist with the development of less experienced team members • Perform ad hoc company, industry, and portfolio analysis • Other duties as assigned LEADERSHIP RESPONSIBLITIES • This position’s leadership responsibilities involve demonstrating ethics and integrity, developing adaptability, displaying drive and purpose, and exhibiting leadership stature to members to key stakeholders for the origination and presentation of credit requests COMPETENCIES - SKILLS • Leveraged loan or private credit analysis experience including extensive financial statement analysis abilities and understanding of industry trends • Knowledge of credit risk scoring methodologies and credit risk mitigation techniques • Demonstrated proficiency with Excel and ability to integrate AI tools into the research and credit analysis process • Ability to use visualization software (Tableau or Power BI) to create dashboards, preferred • Strong time and project management skills to successfully work on multiple analytical assignments without loss in quality while meeting credit renewal timelines ​ EDUCATION and EXPERIENCE • Minimum 5 years of commercial credit underwriting/analysis experience, preferably at a financial institution • Bachelor's degree in business or finance field, in conjunction with formal credit training • Effective communicator at all levels of the organization • Experience with financial modeling in Excel (Pivot tables, Lookups, Formulas) • Experience creating dashboards using Tableau or PowerBI, preferred CORE VALUES At Wheels, we believe in fostering a culture that is built on our Core Values and Guiding Principles. We cultivate a culture of excellence and innovation by upholding these values, driving our collective success and growth. • Integrity – Always act with integrity and honesty. • One Team – Treat others with dignity and respect; act as a cohesive, inclusive and accountable team that is making a difference. • Innovation – Drive continuous improvement, spark creativity and embrace next generation thinking. • Customer Success – Ensure that customer and driver success is at the heart of everything we do. CULTURAL ATTRIBUTES At Wheels, our culture guides us how we work every day, and we look for team members who show these behaviors: • Discipline Drives Quality – Plan the Trip: Think proactively, hold a high bar, follow through by leveraging experience and systems. To produce quality outcomes, we must be intentional and deliberate in everything we do, from big bets to daily execution. • Intellectually Curious – Fuel Your Minds: Be bold, challenge assumptions, think differently, look outside the box. Strive to unlock your own thinking and create new possibilities. • Commit and Deliver – Own It: Take responsibility for your work, from start to finish, and be accountable for the results. Think and act like an owner of the business. • Relationships Matter – Share the Ride: Trust is central, both with key internal and external stakeholders. Relationships are not a side effect of work but a driver of success. JOB SPECIFICATIONS, PHYSICAL DEMANDS and WORK ENVIRONMENT • Work Environment: This position can sit in either Alpharetta, GA or Schaumburg, Ill and operates in a professional office environment. • Position Type/Standard Schedule: This is a full-time, hybrid position (Tue-Thu onsite) Monday through Friday 8a-5pm. • Travel: Minimal travel of 5% is expected for this position. (Very rare). • Physical Demands: Speak, hear, and see, and use hand and fingers for computer keyboard and phone. Sit or stand for extended periods of time. Reach above head to pull paper attachments. DISCLAIMER Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice. Our Benefits Wheels recognizes benefits are a significant part of your employee experience, and we've created a robust benefits package that is market-leading, competitive offerings so you and your family can receive outstanding care. Please click here for an overview of the benefits available to you and your family. Pay Range: $87,100-$121,900 The base salary range for this position is listed above. This position is eligible to participate in the annual incentive plan which is based on company performance and individual performance. Compensation ranges are based on several factors including job function, level, and geographic location. Final offer amounts are determined by multiple factors including candidate experience, education, certifications, skill level and expertise, and may vary from the amounts listed here. EEO Statement Wheels is a Drug-Free Workplace. All employment is contingent on successful completion of drug and background screening. Wheels is an equal opportunity affirmative action employer and administers all personnel practices without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, marital status or domestic partnership status, disability, protected veteran status or military status, genetic information, or any other category protected under applicable law. Wheels is committed to taking affirmative steps to promote the employment and advancement of minorities, women, persons with disabilities and protected veterans.