Credit Analyst Risk (Hybrid)

Credit Risk Analyst role is to promote, support and maximize profitable sales through the implementation and maintenance of an effective International credit risk assessment function, thereby optimizing the asset base in line with profit and cash flow objectives. This is done while acknowledging the specific differences in accounting methods across International environments in preparing credit line reviews.

The job requires the provision of a detailed credit risk assessment through the evaluation of financial statements, credit reports, management accounts, operational performance, security and any other relevant factors in evaluating credit proposals and establishing credit facilities to support the commercial objectives and promote profitable sales, whilst ensuring an acceptable level of reward against risks taken. Credit Risk Analyst must ensure that credit assessments are compiled within the parameters of Harley-Davidson's International Credit Standards and that any conditions approved within the approval of facilities are monitored, maintained and adhered to. Credit Risk Analyst needs to establish strong working relationships with dealers, distributors and H-D subsidiaries., Credit Reviews
Complete a minimum number dealer of dealer file reviews in line to an agreed schedule ensuring all reviews are approved at correct authority level, communicated to relevant departments and updated in the systems.

File Conditions & Security
Ensure Security is properly executed with all legal names, value and signatures in line with requirement, contracting parties and legal requirements. Ensure security documentation is stored in appropriate secure location and recorded in relevant systems.
Liaise with local markets to ensure security is renewed prior to expiry.
Report on detail of expired or non-compliance with security and conditions.
Ensure that bank security is provided through an Investment Rated bank.
Preparation of security documentation where required.

Bad Debts
Ensure that bad debt losses are maintained within budget.
Liaise with local subsidiaries and Credit Risk Manager to establish any high risk dealer positions
Prepare escalation reports as appropriate in conjunction with local subsidiaries for submission to Credit Risk Manager
Monitor dealer watch accounts
Liaise with local legal counsel where required

Reporting and Documentation
Compile daily, weekly, monthly reports and ad hoc reports as required on a timely basis, including generation from SAP, Excel, SharePoint and PowerBI.
Amend existing reports and templates as required.

Projects
To assist on projects as and when required.

Finance, Economics or related Degree Preferred., Minimum of 1 year Credit Underwriting Experience, Risk Analysis or Financial Analysis.

Ability to Operate in an International environment.

Excellent verbal and written communication skills with familiarity in compiling detailed credit risk assessments and high levels of cultural awareness.

The ability to interact with all levels of company leadership and staff to resolve business issues on a timely basis.

Good working knowledge of MS Excel, Word and SAP are required.

Preferred
The ability to speak languages other than English.

Awareness of the automotive market and knowledge of International Trade documentation.

Experience of Know Your Customer, Anti-Money Laundering, Sanctions and Tax Evasion.

Member of CICM, ICTF, FECMA or similar Credit Management institutes.

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?

Our International Markets are focused on creating an inclusive and expanding rider community that appeals to new and existing riders. We strive to deliver an H-D experience with an unequivocal customer focus.

From the UK to Singapore and many places in between, our employees are essential to our success. Our efforts are concentrated on the highest priority markets, primarily North America, Europe and parts of Asia Pacific. We have concentrated our resources in-market for maximum impact in line with our future strategy. Our regional offices and in-market teams have the freedom within a clearly defined framework to make decisions to drive their business. In-market teams are agile and equipped to understand consumer needs, provide focused attention to dealers, and respond more quickly to local market conditions.

We maximize employee flexibility and well-being through a virtual mindset that supports our highly distributed, global workforce. We take an outcome-focused, people-centered approach to winning, including welcoming the best talent - wherever they may be., 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. 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 salaried employees including, but not limited to, annual bonus programs, employee discounts on motorcycles and related products, general merchandise, and more. We welcome everybody to join our family and be united no matter who you are or where you come from. Learn more about Harley-Davidson (here).