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Analyst, Credit Underwriting

Fenton, MO, USA ● St. Louis, MO, USA Req #518
Tuesday, March 5, 2024

About Trans Advantage:

Since our founding in 1969, Trans Advantage (wholly owned subsidiary of UniGroup) has been a leading truck and transportation equipment solutions company. Our mission is to be the go-to industry provided for clients seeking 360-degree moving, storage, and transportation equipment and business solutions that help them save time, solve problems, and serve their customers better. We provide a consultative, one-stop-shop approach, supplying our customers with everything needed to maintain and grow their businesses, all under one roof. 

 

From our diverse selection of the industry’s best equipment, our flexible and competitive finance options, to our full suite of products and services, our dedicated team of professionals are committed to creating personalized solutions for your moving, storage and transportation needs. No matter if your business is independently owned or a nationwide moving company, we have the professional equipment, expertise, products, and services you need to move your customers’ belongings to their homes and businesses.

Your customers count on you to transport their lives. Let us help you deliver on your promise.

Position Summary:

This position serves as a key role within the company’s Credit Underwriting Team, delivering excellence that supports an efficient financing process and provides a competitive offering within the industries we serve.  The role reports to the Manager of Credit Underwriting & Analysis.

 

In this role, the Analyst works to maximize Trans Advantage’s profit by credit underwriting loan and lease applications to determine the applicant’s compatibility with the department’s overall credit criteria. The Analyst is accountable for initiating the credit review process, working within established authority to make decisions or provide decision recommendations to management, and assisting with other departmental analysis functions.  

 

The work location for this role is flexible if approved by UniGroup except this position may not be performed remotely from Colorado and California.

 

Essential Duties and Responsibilities:

  • Collects, organizes, and reviews all relevant credit file information
  • Quickly and accurately analyzes incoming credit applications, related financial statements, and other credit-related reports
  • Prepares financial statement spreads and leverages output in overall review
  • Accurately summarizes the strengths and weaknesses of an opportunity and the creditworthiness of customers
  • Respectfully works within Analyst’s approval authority to approve finance requests
  • Makes recommendations based upon sound judgment and credit criteria parameters to Manager on credit applications outside of Analyst’s authority
  • Prepares funding requests for aggregate credit exposures of $1 million or more and escalates for approval from the President of Trans Advantage and UniGroup CFO (if necessary) for their review
  • Maintains a working knowledge of Trans Advantage Credit Policies and Procedures, to ensure they are being followed, and helps ensure they are updated as required
  • Works collaboratively with the Sales Team and other departments to make informed credit decisions
  • Works with Trans Advantage team and Legal to update documents as appropriate
  • Assists in the management of vendor relationships with Trans Advantage’s capital partners
  • Prepares summary reports to use in credit underwriting function, as well as for portfolio and overall business monitoring
  • Reviews legal documents, forms, and other items related to activating new loans and leases
  • Understands the end-to-end process of a financial transaction within Trans Advantage and proactively recommends / drives process improvements when identified
  • Perform other duties and/or special assignments as needed/assigned

 

Qualifications:

 

Education, License, or Certification:

  • 4-year degree in relevant field or combination of education and experience.

 

Experience:

  • 3-5 years prior experience in credit underwriting or related field (e.g., accounting, finance, etc.)
  • Prior experience in customer service or sales environment preferred

 

Skills and Competencies:

  • Functional Expertise: Applies analytical and creative thinking skills to solve complex/technical problems; draws upon past experience to solve problems and recommended approaches; demonstrates accountability for completing work assignments and meeting deadlines. Must be able to perform multiple tasks concurrently in an efficient and organized manner by setting effective priories.
  • Interpersonal: Values a strong team-based workplace; actively influences team collaboration by contributing ideas and work to the team effort; contributes across workgroups to achieve common goals.
  • Leadership/Change: Responsible for identifying and implementing quality and process improvements for continuous development to enhance performance. Seeks knowledge with curiosity and creative approach; creative thinker that is resilient, resourceful and solution-oriented.
  • Business: Maintains working knowledge of business objectives to maximize contribution toward company results; reliable, motivated, and driven to deliver quality work and superior customer service. Possess strong attention to detail and a focus on meeting goals and targets.
  • Communications: Demonstrates strong verbal and written communication and listening skills; possesses the ability to effectively communicate to all levels of the organization.
  • Language: Ability to read, write and speak English fluently.
  • Technology: Proficient in using multiple software programs and web-based applications such as e-mail, Microsoft Office Suite products, internet browsers, etc.

 

We foster diversity, in part, by imposing a strict policy of non-discrimination. Employment decisions are made without regard to race, color, ethnicity, national origin, sex, sexual orientation, gender identity, age, religion, disability, veteran or military status, genetic information or other status protected by the law.

 

We value the unique skills and experiences that veterans and separated service members bring to our workforce. While serving our country you have gained skills such as leadership, flexibility, and agility, which will help to make you successful here. We are dedicated to supporting military families and ensuring that we provide a welcoming environment for our country’s heroes. We hope you consider joining the UniGroup family.

 

UniGroup is committed to the full inclusion of all qualified individuals. As part of this commitment, UniGroup will ensure that persons with disabilities are provided reasonable accommodations. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact careers@unigroup.com

Other details

  • Job Family Trans Advantage
  • Job Function Individual Contributor
  • Pay Type Salary
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Location on Google Maps
  • Fenton, MO, USA
  • St. Louis, MO, USA