The Opportunity
As part of the America’s team, SANY Capital USA is looking to recruit a driven, forward-thinking and highly-motivated Senior Credit Underwriter/Credit Manager. SANY America is advancing its growth trajectory under the local leadership team. With the deep investment and backing of SANY Group, the Americas business expects to grow significantly in the coming years. Critical to this growth, is the appointment of a high-quality Senior Credit Underwriter/Credit Manager who will analyze credit data and financial information of persons or companies that are applying for credit or loans to determine the risk to SANY Capital USA. This person will help manage the wholesale inventory portfolio and also approve smaller ticket loan/lease transactions to end customers. This role will require someone who has the ability to balance multiple tasks while being a problem solver that can create and improve processes with outside-the-box thinking.
KEY RESPONSIBILITIES
This role will work directly with the Vice President of Sany Capital USA, Inc. and job duties include:
- Manages credit and risk process for semi-standard to more complex small to large sized inventory lines for dealerships in the equipment industry.
- Responsible to analyse and underwrite new and existing smaller ticket lease/loan transactions.
- The position requires a candidate to have very strong credit and analytical skills, who can multi-task and work in a high-paced team environment.
- Reviewing and analysing credit requests to determine financial and non-financial strengths, risk levels, and feasibility of proposed credit relationships and transactions.
- Analysing and communicating financial condition and performance (historic, current and projected) of proposed and existing customers.
- Establishing and determining appropriate controls and formulas as may be required based on complexity and risk of a credit proposal
- Evaluating trends in customer data to promptly identify and report areas of concern and/or potential problem loan, determining courses of action to mitigate identified risks and/or concerns
- Determine proper credit structure and controls necessary to monitor the structure (i.e. regulatory, inventory, account receivable terms, pricing, etc.) and presenting conclusions to Senior Management team
- Manage the commercial loan portfolio, which includes renewal of maturing loans and lines of credit
- Provide communication (oral and written) with customers concerning loan documentation
- Assist with collection efforts on delinquent or problem accounts
- Lead initiatives which add value, supports SANY vision, core values, business principles, goals and objectives
- Adhere to all policies procedures, processes, company practices, guidelines, expectations, laws and regulations
- Staying abreast of new developments in the field of commercial lending and changing government regulations
- Develop and maintain effective work relationships at all levels of the organization by participating and contributing to a positive work environment that exhibits courteous, respectful and professional behaviour
- Demonstrate consistent professional appearance, image, ethics, integrity, demeanour, and represent the SANY brand
PROFESSIONAL EXPERIENCE & QUALIFICATIONS
The ideal candidate will:
- Bachelor’s degree in Finance, Accounting, Economics, Business Administration or related field
- Minimum three to five years of experience underwriting within the equipment leasing space. Previous captive finance experience is preferred
- Working knowledge of commercial loan underwriting with sound understanding of credit worthiness
- Proficient using advanced Microsoft Excel (formulas, graphs, spreadsheets, pivot tables, v-lookup, etc.); experience with Microsoft Office
- Ability to calculate figures, amounts, ratios, formulas, compute interest, discounts, fees, etc.
- Working experience with nCino and Infolease/Solifi, a plus
- Effective written communication which includes the ability to query reports, create reports and letters
- Ability to read, analyze and interpret commercial, consumer and equipment loan documents along with reports
- Strong communication, presentation skills and teamwork skills with the ability to build trust and credibility globally which includes winning approval from various stakeholders.
- Demonstrate a high degree of creativity and mature judgement in anticipating and solving non-reoccurring, unprecedented problems. Have a Root Cause/Countermeasure approach to problem solving (analytical vs. intuitive)
- Time management skills with the ability to plan, create, maintain and resolve open issues, analyze workflow, demonstrate sense of urgency and set priorities to meet deadlines
- Process driven, detailed oriented, results driven and self-motivated
- Self-starter who is responsive, organized, self-motived with the ability to produces accurate results, meet all established goals, objectives and expectations, and comply with all policies, procedures, regulations, guidelines and laws with minimal supervision
- High energy with a sense of urgency who is resilient and self-confident along with adaptable to changes
- Ability to effectively handle and maintain confidential matters and information
- At least 4 days per week in the office
- Will consider a fully remote opportunity for the right candidate
EDUCATION
- Bachelor’s degree in related field.
- CLFP a plus
COMPENSATION
Compensation will be competitive and commensurate with experience. It will include a base salary, an annual performance bonus, and other exceptional benefits.
