The Credit Analyst/Commercial Underwriter II completes customer due diligence in accordance with credit policies and procedures, conducts research, financial analysis, manages conditions and documentation for large new and large existing clients.
Northpoint Commercial Finance is a growing and dynamic organization which finances products that include Marine, RV’s, Manufactured Housing, Trailers, Power Sports, Construction, Technology, and more!
NPCF has an excellent opportunity for an Underwriter II to join our Underwriting team in Alpharetta, GA (or remote for the right candidate). Under the direction of the Senior Risk Manager, the Credit Analyst II completes customer due diligence in accordance with credit policies and procedures, conducts research, financial analysis, manages conditions and documentation for large new and large existing 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 Northpoint, and follows for conditions needed to complete deal setup or continuation.
Essential Duties and Responsibilities include the following. Other duties may be assigned.
- 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.
- Provide internal and external communication between sales, financial services, and new prospects.
- 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.
- 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 and external clients.
- Other projects, assignments, or functions in support of portfolio risk management as needed.
Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Specifically, tasks expected require:
- Bachelor’s degree in Accounting/Finance/Business Administration preferred.
- 2 + 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 & 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 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.
Education/Experience:
Bachelors Degree from a Four-Year college or university preferred
Language Ability:
Ability to read and interpret documents such as operating instructions and policy and procedure manuals. Ability to draft customer facing emails and correspondence on a regular basis. Ability to communicate effectively via phone with a variety of, sales, underwriter, manufacturer/dealer contacts.
Math Ability:
Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals. Ability to compute rate, ratio and percent and to interpret graphs.
Reasoning Ability:
Ability to apply common sense understanding to carry out instructions furnished in written or oral format. Ability to deal with problems involving several concrete variables in standardized format.
Computer Skills:
Microsoft Office required, specifically, Salesforce, DocuSign, Outlook, Word, Excel, and Access
