Auto req ID: 31010
Title: Analyst Credit Risk - Full Time Fixed Term (12 month maternity cover)
Job Function: Finance
Location: OXFORD
Additional Location:
Company: Harley-Davidson Motor Company
Full or Part-Time: Full Time
At Harley-Davidson, we are building more than machines. It’s our passion and commitment to continue the evolution of this storied brand and heighten the desirability of the Harley-Davidson experience. To keep building our legend and leading our industry through innovation, evolution, and emotion we need the best and brightest talent. We stand for the timeless pursuit of adventure. Freedom for the soul. Are you ready to join us?
Our International Markets are focused on creating an inclusive and expanding rider community that appeals to new and existing riders. We strive to deliver an H-D experience with an unequivocal customer focus.
From the UK to Singapore and many places in between, our employees are essential to our success. Our efforts are concentrated on the highest priority markets, primarily North America, Europe and parts of Asia Pacific. We have concentrated our resources in-market for maximum impact in line with our future strategy. Our regional offices and in-market teams have the freedom within a clearly defined framework to make decisions to drive their business. In-market teams are agile and equipped to understand consumer needs, provide focused attention to dealers, and respond more quickly to local market conditions.
Job Summary
Continually assess and monitor the overall financial viability and credit worthiness of assigned number of Harley-Davidson dealerships located throughout the United States in accordance with policies and guidelines established in the company procedures manual. This would include periodic formal written credit memorandums and recommendations for credit line increases and dealer support loans for existing dealerships, as well as more frequent monitoring and decision making throughout the year regarding ongoing risk assessment, temporary overline situations, and credit line needs to promote utilization of Commercial products and services. The Credit Analyst will work in conjunction with Account Managers and Associates to fully understand an assigned group of dealers.
Job Responsibilities
* Reviews and understands the corporate structure/ownership of the business partner/customers and affiliate companies and insures that all documentation in the file provides adequate security in accordance with applicable guidelines.
* Works collaboratively with Account Managers on an assigned group of dealers to understand Harley-Davidson Commercial Credit’s risk.
* Reviews and understands all Uniform Commercial Code information in the file to insure that HDFS maintains adequate access and priority to all collateral over other banks and lenders, etc.
* Reviews personal credit reports for any signs of poor payment or other issues.
* Travel as required to visit customers in order to build loyalty, resolve issues, and address risk.
* Promote understanding of products and services offered by explaining benefits to customers.
* Reviews and inputs the business partner/customers financial statement information into Moody’s CreditLens software and any other required databases for peer analysis.
* Reviews internal payment performance of the business partner/customers.
* Analyzes all of the above information and discusses with business partner/customers as needed throughout the year for risk assessment on an assigned number of accounts as well as more formal credit memorandums that are approved by applicable authority.
* Reviews and makes recommendations on a daily basis for pending orders that take the business partner/customer above their approved credit line.
* Reviews and makes recommendations on temporary or seasonal credit line increases, as well as used credit lines.
Education Requirements
Bachelor's Degree Required
Education Specifications
* Finance, Economics or related Degree Preferred.
Experience Requirements
Required
* 3 years related experience in finance, banking, accounting, or other business field required.
* Specific knowledge of financial statement analysis, concepts of accounting preferred.
* Professional written and communication skills required.
* Proficiency in MS Office applications, as well as other computer skills required.
* Attention to detail, and good organizational skills.
* Strong teamwork skills and ability to interact effectively with all levels of staff.
Preferred
* 1 years related experience in Commercial credit within Powersports or automotive industry.
Harley-Davidson is an equal opportunity employer that continues to build a culture of inclusion, belonging and equity through our commitment to attracting and retaining diverse talent from all backgrounds. We believe in fairness and providing a level playing field for all. We foster a culture that thrives on diverse perspectives and contributions to ignite the creativity and innovation to fuel our business and enhance the employee and customer experience.
We offer an inclusive compensation package for all salaried employees including, but not limited to, annual bonus programs, employee discounts on motorcycles and related products, general merchandise, and more. We welcome everybody to join our family and be united no matter who you are or where you come from. Learn more about Harley-Davidson ( here ).
Direct Reports: No
Travel Required: 0 - 10%
Visa Sponsorship: This position is not eligible for visa sponsorship
Relocation: This position is not eligible for relocation assistance