Sr. Credit Analyst

Yamaha Motor Corp Marietta , GA 30060

Posted 2 months ago

Yamaha Motor Corporation, U.S.A. is a growing and dynamic organization with superb products that includes motorcycles, outboard motors, ATVs, personal watercraft, snowmobiles, boats, power assist bicycles, outdoor power equipment, race kart engines, accessories, apparel, and much more! We are a company of enthusiasts and have passion for our products!

Yamaha has an excellent opportunity for Sr. Credit Analyst (Credit Analyst III) to join our Wholesale Finance team in Marietta, GA. Under the direction of the Credit Group Manager, the Senior Credit Analyst (Credit Analyst III) completes customer due diligence in accordance with company policies and procedures, conducts research, financial analysis, manages conditions and documentation for large new and large existing Yamaha dealerships with more complex structures and analysis needed. Conducts credit reviews to assess and mitigate risk, recommends and approves decisions that protect the interest of YMFUS, and follows for conditions needed to complete deal setup or continuation. The Credit Analyst III also assists the Credit Group Manager in post review of junior analyst's credit reviews and provides training as needed.

Specific duties include, but are not limited to:

  • Conduct due diligence/risk assessment of medium/large new prospect files, financial analysis, credit line recommendation, and documentation requirements.

  • Structure complex transactions and negotiate complex credit documentation to mitigate risk appropriately.

  • Complete medium and large annual dealer reviews based on company policy. Assess risk through financial analysis and operational performance, recommend credit line, conditions, and documentation needed to continue dealer relationship.

  • Develop and maintain a deep understanding of the Yamaha Motor Corporation industries and the key relationships within these industries. Assess risk solutions that balance risk and return.

  • Work within assigned portfolio to credit review and assess significant changes to existing dealers and determine go-forward security and documentation requirements (buyouts, ownership restructuring, additional collateral). Use assigned credit authority to monitor a significant portion of the portfolio on an autonomous basis.

  • Own reporting of certain credit metrics and reporting for senior management review.

  • Prepare and deliver presentations to executives and external clients.

  • Post-review and train credit reviews of junior analysts within the organization.

  • Participate in strategic projects to support business goals.

  • Help develop and refine models that can be used to improve credit decisions and the efficiency of those decisions.

  • Other Duties as assigned

Decision-Making Responsibility:

  • Decision authority on medium and large credit lines as well as decision authority for other Analyst's write-ups based on policy. Authority will include autonomous decisioning of complex transactions.

  • Ability to work independently with supervision on quality of work and timely completion.

Requirements:

  • Bachelor's degree in Accounting/Finance/Business Administration

  • 5-7 + years of commercial lending or underwriting/financial analysis experience

  • Strong analytical skills

  • Cross-functional team environment skill set and ability to work independently

  • Excellent verbal, written, and interpersonal skills

  • Strong communication & presentation skills

  • Ability to effectively manage multiple priorities and work as needed to ensure deadlines are met in a fast-paced environment.

  • Competency in analyzing cash flow, leverage, and other financial factors.

  • Minimal travel required

Desired Skill Sets:

  • Experience working in an organization with detailed Sarbanes-Oxley Act (SOX) and regulatory compliance policies and procedures.

  • Experience drafting and/or maintaining policies and/or procedures within a regulated commercial lending institution.

  • Experience working with internal and external auditors within a regulated commercial lending institution.

  • Stand-alone, single sign-off, credit authority.

  • Prior experience in commercial inventory finance or leasing businesses a plus.

Reports to: Group Manager-Credit

Yamaha Motor Corporation, USA is proud to be an equal opportunity employer

#LI-KH1


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Sr. Credit Analyst

Yamaha Motor Corp