Senior Credit Analyst


Do you believe that people are the key to the success of an organization? Are you someone who wants to impact the growth of both our business and that of our customers? Do you want variety, unique challenges, and opportunities? If yes, keep reading to find out how you can be a part of the exciting Retail Credit team at Volvo Financial Services, a part of the Volvo Group.


Volvo Group
Volvo Group drives prosperity through transport and infrastructure solutions, offering trucks, buses, construction equipment, power solutions for marine and industrial applications, financing and services that increase our customers’ uptime and productivity.


Role
Part of a dynamic, fast paced, critical team at VFS. You support VFS dealers and customers in the truck, construction, and bus industries. You develop relationships with key dealership personnel, customers, and VFS sales channel leaders. You work closely with these individuals to underwrite, negotiate, structure, and provide credit approvals and financing solutions to meet customer needs. You typically adjudicate deals over 1M and up to the 8-10M range. But may also review smaller transactions. You will help support VFS dealers and customers as we collectively move forward with EMobility financing solutions across the various transportation segments supported by the Volvo Group. Each day provides unique opportunities for growth and the use of your knowledge and experience to support your team, VFS, and our customers. You will be part of an on-site team in Greensboro reporting to the Retail Credit Manager.


What is the job?
You are the face and voice of VFS to our dealers and key customers. You are an integral part of the Retail Team and support system for our dealer network. In most cases, you will hold joint calls with the VFS sales and customers, working directly to support new credit requests, negotiate existing open approvals, provide alternate financing solutions or structures and to support general dealer inquires. You build trust with our dealers, customers, and sales teams to become a trusted advisor.


Daily Focus
You will collaborate with the sales team to review dealer request and negotiating with dealers and/or customers to review submittals, review customer performance, ascertain financial and other key data. You touch all facets of a deal, including down payment, terms, and guarantor requirements. You provide collateral analysis, determine document requirements, insurance needs, and UCC/PMSI requirements to perfect VFS security and minimize risk. After review of all information, you will provide a credit recommendation. Based on experience and time, you will have delegated authority to make credit decisions or will submit transactions to Retail Credit Management and/or direct to a Credit Committee for final approvals.


Responsibilities
Most transactions will require the review of CPA prepared, tax returns, or customer prepared financials statements. You will spread financial statements and review key financial ratios. You will use your written and communication skills to provide concise analysis of risk/mitigants of a request and review all relevant information to Know Your Customer and complete OFAC compliance. Certain transactions may require you to meet directly with customers and some occasional travel may be needed.
In some cases, you will be part of a post-mortem process to provide insights on your own deals and those of your peers. These insights will help ensure continuity and provide opportunities for improvement and efficiency.
In all cases, you will adhere to The Volvo Way, Code of Conduct, and defined policy requirements. You will continuously look to gain industry knowledge, learn, and support process changes and improvements in the Retail Credit department.


Who are you?
You hold a BA/BS degree in Business Administration, Finance, or another related field with an MBA a plus. You bring experience in loan or lease in retail or commercial underwriting, banking fields, portfolio asset management or credit/risk management (ideally 7 or more years). This experience has come in a fast-paced, high-volume environment and you should be experienced in all areas of financial analysis and commercial reporting. You have experience working with multiple sales channels or credit officers. Communication is critical to success in this role, and you bring fluency in reading, writing, and speaking English to the role. The ability to communicate in additional language(s) a plus! Your team works in Microsoft Office 365 tools, including Teams, at an intermediate level or higher, and you do too.


What do we offer?
In addition to being part of a high-performing team in a fast-paced, rewarding environment, our benefits package also includes the following:
  • Competitive compensation
  • Generous Earned Time Off (ETO)
  • 401k plan with generous company match
  • Health, vision, and dental insurance

The Volvo Group drives prosperity through transport solutions, offering trucks, buses, construction equipment, power solutions for marine and industrial applications, financing and services that increase our customers’ uptime and productivity. Founded in 1927, the Volvo Group is committed to shaping the future landscape of sustainable transport and infrastructure solutions. Countless career opportunities are offered across the group’s leading brands and entities that share a culture of Trust, Passion, High Performance, Change and Customer Success. 
www.volvogroup.com/career. 

Volvo Financial Services is the global financial solutions provider of the Volvo Group, supporting the Volvo Group brands with expert financial services. This includes providing customers and dealers with a full-range of offerings, such as financing, leasing, and insurance solutions. Our team of about 1,400 professionals are located in 45 countries worldwide. As a part of the Volvo Financial Services team, you will experience challenging assignments, gain international exposure, and interact with colleagues around the world in the Volvo Group.

Volvo Group North America is an Equal Opportunity Employer
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