Credit Analyst - Commercial


Plano, TX, US

Auto req ID: 13541 
Title: Credit Analyst - Commercial 
Job Function: Customer & Dealer Operations 
Location: PLANO 
Company: Harley-Davidson Financial Services 
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?


Harley-Davidson Financial Services (HDFS), a wholly-owned subsidiary of Harley-Davidson, Inc., offers a wide range of financial products and services to motorcycle enthusiasts and Harley-Davidson dealerships. Products available to consumers include financing on motorcycles, MotorClothes™, and parts and accessories; cycle insurance; and extended service plans for Harley-Davidson® motorcycles.

You’ll play a pivotal role in helping us create the company we want to be. And for our employees and H-D community it’s done through being fair, honest, positive and creative. This isn’t just any company. And yours isn’t just any career. It’s part of your story. Ride with us and make it legendary.


Located just outside of the heart of DFW, and in one of the fastest growing suburbs, the Plano, Texas office serves as one of the Company's two operations centers. It serves as the main hub for HDFS’ Commercial Finance business, and also houses employees representing Rider Services, Underwriting, Risk, Enterprise Project Management, Accounting, Compliance, Human Resources, Global Information Services, Communications, and Legal. Join our team as a Credit Analyst - Commercial.

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.
Temporary Overlines and Special Credit Line Needs 
•    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

Experience Requirements

•    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.

•    1 years related experience in Commercial credit within Powersports or automotive industry.

At Harley-Davidson it is not just about the degree you have or what you know. You must also exhibit and demonstrate our valued behaviors in everything you do:
•    Teamwork
•     Accountability
•     Integrity
•     Creativity
•     Diversity


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, without regard to race, color, religion, sex, sexual orientation, national origin, gender identity, age, disability, veteran status or any other characteristic protected by law. 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 full-time employees including, but not limited to, bonus programs, health insurance benefits, a 401k program, onsite fitness centers, employee discounts on products and accessories, and more. Learn more about Harley-Davidson here.


Applicants must be currently authorized to work in the United States. 


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 

Nearest Major Market: Plano
Nearest Secondary Market: Dallas

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