Hybrid Sr. Mobility Credit Associate en None

%3Cp class=%22MsoNormal%22 style=%22margin-bottom: 0in; margin-top: 0in; mso-margin-bottom-alt: 8.0pt; mso-margin-top-alt: 0in; mso-add-space: auto; line-height: normal;%22%3E%3Cb%3E%3Cspan style=%22font-size: 10.0pt; font-family: %27Arial%27,sans-serif;%22%3EWhat to Expect%3Co:p%3E%3C/o:p%3E%3C/span%3E%3C/b%3E%3C/p%3E%0A%3Cp class=%22MsoNormal%22 style=%22margin-bottom: 0in; margin-top: 0in; mso-margin-bottom-alt: 8.0pt; mso-margin-top-alt: 0in; mso-add-space: auto; line-height: normal;%22%3E%3Cspan style=%22font-size: 10.0pt; font-family: %27Arial%27,sans-serif;%22%3EThe Sr. Mobility Credit Associate is responsible for underwriting and risk management of commercial equipment, vehicle, fleet and inventory financing credit lines, with a strong focus on financial analysis %26amp; financial statement spreading to support credit decisions and operational processes.%3Co:p%3E%3C/o:p%3E%3C/span%3E%3C/p%3E%0A%3Cp class=%22MsoNormal%22 style=%22margin-bottom: 0in; margin-top: 0in; mso-margin-bottom-alt: 8.0pt; mso-margin-top-alt: 0in; mso-add-space: auto; line-height: normal; mso-layout-grid-align: none; text-autospace: none;%22%3E%3Cspan style=%22font-size: 10.0pt; font-family: %27Arial%27,sans-serif;%22%3E%3Co:p%3E%26nbsp;%3C/o:p%3E%3C/span%3E%3C/p%3E%0A%3Cp class=%22MsoNormal%22 style=%22margin-bottom: 8.0pt; mso-margin-bottom-alt: 8.0pt; mso-margin-top-alt: 0in; mso-add-space: auto; line-height: normal;%22%3E%3Cb%3E%3Cspan style=%22font-size: 10.0pt; font-family: %27Arial%27,sans-serif;%22%3EWhat You Will Do%3Co:p%3E%3C/o:p%3E%3C/span%3E%3C/b%3E%3C/p%3E%0A%3Cp class=%22MsoListParagraphCxSpFirst%22 style=%22mso-add-space: auto; text-align: justify; text-indent: -.25in; line-height: 115%; mso-list: l0 level1 lfo2; mso-layout-grid-align: none; text-autospace: none; margin: 0in 0in 10.0pt .25in;%22%3E%3C!-- [if !supportLists]--%3E%3Cspan style=%22font-size: 10.0pt; line-height: 115%; font-family: %27Arial%27,sans-serif; mso-fareast-font-family: Arial;%22%3E%3Cspan style=%22mso-list: Ignore;%22%3E1.%3Cspan style=%22font: 7.0pt %27Times New Roman%27;%22%3E%26nbsp;%26nbsp;%26nbsp;%26nbsp; %3C/span%3E%3C/span%3E%3C/span%3E%3C!--[endif]--%3E%3Cspan style=%22font-size: 10.0pt; line-height: 115%; font-family: %27Arial%27,sans-serif;%22%3EFinancial Statement Spreading %26amp; Analysis %3Co:p%3E%3C/o:p%3E%3C/span%3E%3C/p%3E%0A%3Cp class=%22MsoListParagraphCxSpMiddle%22 style=%22text-indent: -.25in; mso-list: l1 level1 lfo1;%22%3E%3C!-- [if !supportLists]--%3E%3Cspan style=%22font-size: 10.0pt; line-height: 107%; font-family: %27Arial%27,sans-serif; mso-fareast-font-family: Arial;%22%3E%3Cspan style=%22mso-list: Ignore;%22%3E%26bull;%3Cspan style=%22font: 7.0pt %27Times New Roman%27;%22%3E%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp; %3C/span%3E%3C/span%3E%3C/span%3E%3C!--[endif]--%3E%3Cspan style=%22font-size: 10.0pt; line-height: 107%; font-family: %27Arial%27,sans-serif;%22%3ESpread and analyze dealer financial statements in the financial spreading system or manual spreadsheet, ensuring accurate data capture, normalization, and reconciliation from varied statement formats (audited, tax-based, company prepared).%3Co:p%3E%3C/o:p%3E%3C/span%3E%3C/p%3E%0A%3Cp class=%22MsoListParagraphCxSpMiddle%22 style=%22text-indent: -.25in; mso-list: l1 level1 lfo1;%22%3E%3C!-- [if !supportLists]--%3E%3Cspan style=%22font-size: 10.0pt; line-height: 107%; font-family: %27Arial%27,sans-serif; mso-fareast-font-family: Arial;%22%3E%3Cspan style=%22mso-list: Ignore;%22%3E%26bull;%3Cspan style=%22font: 7.0pt %27Times New Roman%27;%22%3E%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp; %3C/span%3E%3C/span%3E%3C/span%3E%3C!--[endif]--%3E%3Cspan style=%22font-size: 10.0pt; line-height: 107%; font-family: %27Arial%27,sans-serif;%22%3EDevelop and maintain spreadsheet templates for financial analysis, including automation for ratios, trend analysis, and schedule roll-ups.%3Co:p%3E%3C/o:p%3E%3C/span%3E%3C/p%3E%0A%3Cp class=%22MsoListParagraphCxSpMiddle%22 style=%22text-indent: -.25in; mso-list: l1 level1 lfo1;%22%3E%3C!-- [if !supportLists]--%3E%3Cspan style=%22font-size: 10.0pt; line-height: 107%; font-family: %27Arial%27,sans-serif; mso-fareast-font-family: Arial;%22%3E%3Cspan style=%22mso-list: Ignore;%22%3E%26bull;%3Cspan style=%22font: 7.0pt %27Times New Roman%27;%22%3E%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp; %3C/span%3E%3C/span%3E%3C/span%3E%3C!--[endif]--%3E%3Cspan style=%22font-size: 10.0pt; line-height: 107%; font-family: %27Arial%27,sans-serif;%22%3EIdentify anomalies and document adjustments, providing clear, formula-driven audit trails in the financial spreading system or manual spreadsheet.%3Co:p%3E%3C/o:p%3E%3C/span%3E%3C/p%3E%0A%3Cp class=%22MsoListParagraphCxSpMiddle%22 style=%22mso-add-space: auto; text-align: justify; text-indent: -.25in; line-height: 115%; mso-list: l0 level1 lfo2; mso-layout-grid-align: none; text-autospace: none; margin: 0in 0in 10.0pt .25in;%22%3E%3C!-- [if !supportLists]--%3E%3Cspan style=%22font-size: 10.0pt; line-height: 115%; font-family: %27Arial%27,sans-serif; mso-fareast-font-family: Arial;%22%3E%3Cspan style=%22mso-list: Ignore;%22%3E2.%3Cspan style=%22font: 7.0pt %27Times New Roman%27;%22%3E%26nbsp;%26nbsp;%26nbsp;%26nbsp; %3C/span%3E%3C/span%3E%3C/span%3E%3C!--[endif]--%3E%3Cspan style=%22font-size: 10.0pt; line-height: 115%; font-family: %27Arial%27,sans-serif;%22%3ECredit Underwriting %26amp; Approval Package%3Co:p%3E%3C/o:p%3E%3C/span%3E%3C/p%3E%0A%3Cp class=%22MsoListParagraphCxSpMiddle%22 style=%22margin-bottom: 0in; mso-add-space: auto; text-indent: -.25in; line-height: normal; mso-list: l1 level1 lfo1;%22%3E%3C!-- [if !supportLists]--%3E%3Cspan style=%22font-size: 10.0pt; font-family: %27Arial%27,sans-serif; mso-fareast-font-family: Arial;%22%3E%3Cspan style=%22mso-list: Ignore;%22%3E%26bull;%3Cspan style=%22font: 7.0pt %27Times New Roman%27;%22%3E%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp; %3C/span%3E%3C/span%3E%3C/span%3E%3C!--[endif]--%3E%3Cspan style=%22font-size: 10.0pt; font-family: %27Arial%27,sans-serif;%22%3EIntegrate financial spreading results into credit write-ups, clearly highlighting risk factors and mitigants supported by quantified metrics.%3Co:p%3E%3C/o:p%3E%3C/span%3E%3C/p%3E%0A%3Cp class=%22MsoListParagraphCxSpMiddle%22 style=%22margin-bottom: 0in; mso-add-space: auto; text-indent: -.25in; line-height: normal; mso-list: l1 level1 lfo1;%22%3E%3C!-- [if !supportLists]--%3E%3Cspan style=%22font-size: 10.0pt; font-family: %27Arial%27,sans-serif; mso-fareast-font-family: Arial;%22%3E%3Cspan style=%22mso-list: Ignore;%22%3E%26bull;%3Cspan style=%22font: 7.0pt %27Times New Roman%27;%22%3E%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp; %3C/span%3E%3C/span%3E%3C/span%3E%3C!--[endif]--%3E%3Cspan style=%22font-size: 10.0pt; font-family: %27Arial%27,sans-serif;%22%3EPresent financial conclusions to Credit Manager and other internal reviewers, using charts, ratio analysis, and scenario summaries to drive clarity.%3Co:p%3E%3C/o:p%3E%3C/span%3E%3C/p%3E%0A%3Cp class=%22MsoListParagraphCxSpMiddle%22 style=%22text-indent: -.25in; mso-list: l1 level1 lfo1;%22%3E%3C!-- [if !supportLists]--%3E%3Cspan style=%22font-size: 10.0pt; line-height: 107%; font-family: %27Arial%27,sans-serif; mso-fareast-font-family: Arial;%22%3E%3Cspan style=%22mso-list: Ignore;%22%3E%26bull;%3Cspan style=%22font: 7.0pt %27Times New Roman%27;%22%3E%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp; %3C/span%3E%3C/span%3E%3C/span%3E%3C!--[endif]--%3E%3Cspan style=%22font-size: 10.0pt; line-height: 107%; font-family: %27Arial%27,sans-serif;%22%3EEnsure all spreading documentation is audit-ready for internal and regulatory review.%3Cspan style=%22mso-spacerun: yes;%22%3E%26nbsp; %3C/span%3E%3Co:p%3E%3C/o:p%3E%3C/span%3E%3C/p%3E%0A%3Cp class=%22MsoListParagraphCxSpMiddle%22 style=%22margin-bottom: 0in; mso-add-space: auto; line-height: normal;%22%3E%3Cspan style=%22font-size: 10.0pt; font-family: %27Arial%27,sans-serif;%22%3E%3Co:p%3E%26nbsp;%3C/o:p%3E%3C/span%3E%3C/p%3E%0A%3Cp class=%22MsoListParagraphCxSpMiddle%22 style=%22mso-add-space: auto; text-align: justify; text-indent: -.25in; line-height: 115%; mso-list: l0 level1 lfo2; mso-layout-grid-align: none; text-autospace: none; margin: 0in 0in 10.0pt .25in;%22%3E%3C!-- [if !supportLists]--%3E%3Cspan style=%22font-size: 10.0pt; line-height: 115%; font-family: %27Arial%27,sans-serif; mso-fareast-font-family: Arial;%22%3E%3Cspan style=%22mso-list: Ignore;%22%3E3.%3Cspan style=%22font: 7.0pt %27Times New Roman%27;%22%3E%26nbsp;%26nbsp;%26nbsp;%26nbsp; %3C/span%3E%3C/span%3E%3C/span%3E%3C!--[endif]--%3E%3Cspan style=%22font-size: 10.0pt; line-height: 115%; font-family: %27Arial%27,sans-serif;%22%3EPortfolio %26amp; Ongoing Risk Monitoring %3Co:p%3E%3C/o:p%3E%3C/span%3E%3C/p%3E%0A%3Cp class=%22MsoListParagraphCxSpMiddle%22 style=%22margin-bottom: 0in; mso-add-space: auto; text-indent: -.25in; line-height: normal; mso-list: l1 level1 lfo1;%22%3E%3C!-- [if !supportLists]--%3E%3Cspan style=%22font-size: 10.0pt; font-family: %27Arial%27,sans-serif; mso-fareast-font-family: Arial;%22%3E%3Cspan style=%22mso-list: Ignore;%22%3E%26bull;%3Cspan style=%22font: 7.0pt %27Times New Roman%27;%22%3E%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp; %3C/span%3E%3C/span%3E%3C/span%3E%3C!--[endif]--%3E%3Cspan style=%22font-size: 10.0pt; font-family: %27Arial%27,sans-serif;%22%3EMaintain and update models in the financial system or manual spreadsheet for annual and monthly dealer reviews.%3Co:p%3E%3C/o:p%3E%3C/span%3E%3C/p%3E%0A%3Cp class=%22MsoListParagraphCxSpMiddle%22 style=%22margin-bottom: 0in; mso-add-space: auto; text-indent: -.25in; line-height: normal; mso-list: l1 level1 lfo1;%22%3E%3C!-- [if !supportLists]--%3E%3Cspan style=%22font-size: 10.0pt; font-family: %27Arial%27,sans-serif; mso-fareast-font-family: Arial;%22%3E%3Cspan style=%22mso-list: Ignore;%22%3E%26bull;%3Cspan style=%22font: 7.0pt %27Times New Roman%27;%22%3E%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp; %3C/span%3E%3C/span%3E%3C/span%3E%3C!--[endif]--%3E%3Cspan style=%22font-size: 10.0pt; font-family: %27Arial%27,sans-serif;%22%3ETrack dealer compliance, borrowing base limits, and other covenants using spreadsheet dashboards.%3Co:p%3E%3C/o:p%3E%3C/span%3E%3C/p%3E%0A%3Cp class=%22MsoListParagraphCxSpLast%22 style=%22margin-bottom: 0in; mso-add-space: auto; text-indent: -.25in; line-height: normal; mso-list: l1 level1 lfo1;%22%3E%3C!-- [if !supportLists]--%3E%3Cspan style=%22font-size: 10.0pt; font-family: %27Arial%27,sans-serif; mso-fareast-font-family: Arial;%22%3E%3Cspan style=%22mso-list: Ignore;%22%3E%26bull;%3Cspan style=%22font: 7.0pt %27Times New Roman%27;%22%3E%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp; %3C/span%3E%3C/span%3E%3C/span%3E%3C!--[endif]--%3E%3Cspan style=%22font-size: 10.0pt; font-family: %27Arial%27,sans-serif;%22%3EPerform annual portfolio and insurance reviews for all customers.%3Co:p%3E%3C/o:p%3E%3C/span%3E%3C/p%3E%0A%3Cp class=%22MsoNormal%22 style=%22margin-bottom: 0in; line-height: normal; mso-layout-grid-align: none; text-autospace: none;%22%3E%3Cspan style=%22font-size: 9.0pt; font-family: %27Arial%27,sans-serif;%22%3E%3Co:p%3E%26nbsp;%3C/o:p%3E%3C/span%3E%3C/p%3E%0A%3Cp class=%22MsoListParagraphCxSpFirst%22 style=%22mso-add-space: auto; text-align: justify; text-indent: -.25in; line-height: 115%; mso-list: l0 level1 lfo2; mso-layout-grid-align: none; text-autospace: none; margin: 0in 0in 10.0pt .25in;%22%3E%3C!-- [if !supportLists]--%3E%3Cspan style=%22font-size: 10.0pt; line-height: 115%; font-family: %27Arial%27,sans-serif; mso-fareast-font-family: Arial;%22%3E%3Cspan style=%22mso-list: Ignore;%22%3E4.%3Cspan style=%22font: 7.0pt %27Times New Roman%27;%22%3E%26nbsp;%26nbsp;%26nbsp;%26nbsp; %3C/span%3E%3C/span%3E%3C/span%3E%3C!--[endif]--%3E%3Cspan style=%22font-size: 10.0pt; line-height: 115%; font-family: %27Arial%27,sans-serif;%22%3EPayment Calculator %26amp; Spreadsheet Tools Development%3Co:p%3E%3C/o:p%3E%3C/span%3E%3C/p%3E%0A%3Cp class=%22MsoListParagraphCxSpMiddle%22 style=%22margin-bottom: 0in; mso-add-space: auto; text-indent: -.25in; line-height: normal; mso-list: l1 level1 lfo1;%22%3E%3C!-- [if !supportLists]--%3E%3Cspan style=%22font-size: 10.0pt; font-family: %27Arial%27,sans-serif; mso-fareast-font-family: Arial;%22%3E%3Cspan style=%22mso-list: Ignore;%22%3E%26bull;%3Cspan style=%22font: 7.0pt %27Times New Roman%27;%22%3E%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp; %3C/span%3E%3C/span%3E%3C/span%3E%3C!--[endif]--%3E%3Cspan style=%22font-size: 10.0pt; font-family: %27Arial%27,sans-serif;%22%3EDesign and build custom payment calculators in the financial systems or manual spreadsheet to model principal, interest, curtailments, and fee scenarios for dealer floorplan and commercial loan structures.%3Co:p%3E%3C/o:p%3E%3C/span%3E%3C/p%3E%0A%3Cp class=%22MsoListParagraphCxSpMiddle%22 style=%22margin-bottom: 10.0pt; mso-add-space: auto; text-align: justify; line-height: 115%; mso-layout-grid-align: none; text-autospace: none;%22%3E%3Cspan style=%22font-size: 9.0pt; line-height: 115%; font-family: %27Arial%27,sans-serif;%22%3E%3Co:p%3E%26nbsp;%3C/o:p%3E%3C/span%3E%3C/p%3E%0A%3Cp class=%22MsoListParagraphCxSpMiddle%22 style=%22mso-add-space: auto; text-align: justify; text-indent: -.25in; line-height: 115%; mso-list: l0 level1 lfo2; mso-layout-grid-align: none; text-autospace: none; margin: 0in 0in 10.0pt .25in;%22%3E%3C!-- [if !supportLists]--%3E%3Cspan style=%22font-size: 10.0pt; line-height: 115%; font-family: %27Arial%27,sans-serif; mso-fareast-font-family: Arial;%22%3E%3Cspan style=%22mso-list: Ignore;%22%3E5.%3Cspan style=%22font: 7.0pt %27Times New Roman%27;%22%3E%26nbsp;%26nbsp;%26nbsp;%26nbsp; %3C/span%3E%3C/span%3E%3C/span%3E%3C!--[endif]--%3E%3Cspan style=%22font-size: 10.0pt; line-height: 115%; font-family: %27Arial%27,sans-serif;%22%3EProcess Improvement %26amp; Collaboration%3Co:p%3E%3C/o:p%3E%3C/span%3E%3C/p%3E%0A%3Cp class=%22MsoListParagraphCxSpMiddle%22 style=%22margin-bottom: 0in; mso-add-space: auto; text-indent: -.25in; line-height: normal; mso-list: l1 level1 lfo1;%22%3E%3C!-- [if !supportLists]--%3E%3Cspan style=%22font-size: 10.0pt; font-family: %27Arial%27,sans-serif; mso-fareast-font-family: Arial;%22%3E%3Cspan style=%22mso-list: Ignore;%22%3E%26bull;%3Cspan style=%22font: 7.0pt %27Times New Roman%27;%22%3E%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp; %3C/span%3E%3C/span%3E%3C/span%3E%3C!--[endif]--%3E%3Cspan style=%22font-size: 10.0pt; font-family: %27Arial%27,sans-serif;%22%3ERecommend enhancements to the financing systems or manual spreadsheet processes, templates, and calculator logic.%3Co:p%3E%3C/o:p%3E%3C/span%3E%3C/p%3E%0A%3Cp class=%22MsoListParagraphCxSpLast%22 style=%22margin-bottom: 0in; mso-add-space: auto; text-indent: -.25in; line-height: normal; mso-list: l1 level1 lfo1;%22%3E%3C!-- [if !supportLists]--%3E%3Cspan style=%22font-size: 10.0pt; font-family: %27Arial%27,sans-serif; mso-fareast-font-family: Arial;%22%3E%3Cspan style=%22mso-list: Ignore;%22%3E%26bull;%3Cspan style=%22font: 7.0pt %27Times New Roman%27;%22%3E%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp;%26nbsp; %3C/span%3E%3C/span%3E%3C/span%3E%3C!--[endif]--%3E%3Cspan style=%22font-size: 10.0pt; font-family: %27Arial%27,sans-serif;%22%3ETrain Sales and internal stakeholders in financial document requirements and effective information gathering.%3Co:p%3E%3C/o:p%3E%3C/span%3E%3C/p%3E

What You Will Bring

 

•        Minimum 4-6 years of related experience in underwriting or credit analysis including financial spreading and analysis.

•        Knowledge of Daybreak, KSIOP, CRM, and/or ALFA preferred.

•        Background in finance or automotive financial services a plus.

•        Bachelor’s degree in Business, Finance or related field. or equivalent work experience.

•        Strong understanding of financial spreading and analysis.

•        Strong communication skills to effectively interact with all levels of internal and stakeholders.

•        Effectively work in a team environment

•        Strong customer service and telephone skills

•        Strong negotiation skills to negotiate mutually beneficial arrangements with a customer

•        Ability to follow workflow processes for all assigned job duties.

•        Strong problem solving and analytical skills.

•        Strong PC navigation skills, including knowledge of Windows operating environment

•        Strong proficiency with Microsoft Office Suites including Excel, Word, PowerPoint.

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