Senior Dealer Commercial Credit Analyst

Lead a team of underwriters in preparing clear, well-reasoned credit risk assessments for dealership floorplan, revolving, term and real estate financing proposals, renewals or modifications for credit committee approval. Coach team members in negotiating optimal structures, terms and risk mitigation with clients and internal teams; provide training on balance sheet, income statement and cashflow analysis; monitor payment, covenant compliance, and asset quality across a portfolio; ensure compliance with credit policies and reporting requirements; contribute to cross-functional credit strategies and initiative projects; schedule hybrid in-office/remote collaboration from Charlotte, NC. Preferred candidates have a BS/BA with experience in underwriting/finance, plus strong analytical, communication, and leadership skills; experience with systems such as ALFA, PEGA, or Credit Lens is a plus.