Lead Commercial Credit Analyst

Lead Commercial Credit Analyst

International Financial is seeking an experienced and highly motivated Lead Commercial Credit Analyst to join our growing team. In this role, you will support our customers in financing the acquisition of International trucks and buses. You will have delegated credit approval authority and be responsible for expert credit underwriting of fleet customers. This position offers the opportunity to make a significant impact through sound credit analysis, team leadership, and strategic decision-making within a collaborative and dynamic environment. If you are a seasoned credit professional who thrives in a fast-paced, team-oriented environment and is passionate about driving excellence in commercial underwriting, we invite you to apply and join International Financial in shaping the future of transportation financing.

Responsibilities :

• Develop and maintain strong relationships with internal and external commercial organizations and customers while evaluating credit requests.
• Serve as team leader for the structured underwriting team, providing guidance and oversight.
• Perform detailed financial analysis for new and existing customers to assess creditworthiness.
• Prepare clear, professional, and accurate credit write-ups for presentation and approval.
• Recommend and approve credit decisions in accordance with delegated authority and dual-signature policies.
• Communicate credit decisions effectively to all stakeholders.
• Ensure compliance with company credit policies, including adherence to risk ratings and timely completion of credit reviews.
• Collect and review due diligence materials and KYC (Know Your Customer) documentation.
• Verify the accuracy and completeness of loan and lease documentation.
• Ensure proper lien perfection and thorough documentation of all transactions.
• Provide training and mentorship to strengthen the credit skills of team members.
• Educate dealers on credit and documentation requirements to promote efficient processing.
• Collaborate with management to review, update, and improve credit policies and procedures.
• Assist in resolving post-funding documentation or process issues.
• Continuously identify and implement opportunities for process improvement and efficiency.

Minimum Requirements :

Additional Requirements :

Desired Skills :

Benefits and Compensation :

We provide a competitive total rewards package which ensures job satisfaction both on and off the job. We offer market-based compensation, health benefits, 401(k) match, tuition assistance, EAP, legal insurance, an employee discount program, and more. For this position, the expected salary range will be commensurate with the candidate's applicable skills, knowledge and experience.

Company Overview : ABOUT TRATON :

With its brands Scania, MAN, International, and Volkswagen Truck & Bus, TRATON SE is the parent and holding company of the TRATON GROUP and one of the world's leading commercial vehicle manufacturers. The Group's product portfolio comprises trucks, buses, and light-duty commercial vehicles.

ABOUT INTERNATIONAL :

From a one-man company built on the world-changing invention of the McCormick reaper in 1831, to the 15,000-person-strong company we are today, few companies can lay claim to a history like International. Based in Lisle, Illinois, International Motors, LLC

EEO Statement :

We are an Equal Opportunity Employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, and other legally protected characteristics.