Retail Credit Analyst

Make an Impact Where Credit Expertise Drives Business Growth

At Volvo Financial Services (VFS), we do more than evaluate risk. We partner with dealers and customers to create financing solutions that help businesses grow. We're looking for credit professionals who understand that strong underwriting is not just about identifying risk, but about structuring solutions that responsibly support customer success and business growth.

If you thrive in a fast-paced credit environment, enjoy balancing risk with opportunity, and like finding ways to get deals done, we'd like to hear from you.

As part of the Volvo Group, VFS provides financing solutions supporting customers across trucking, construction, bus, and emerging e-mobility industries.

About the Role
The Retail Credit Analyst is a key business partner to our dealers, customers, and sales teams. In this role, you will analyze, structure, negotiate, and approve financing opportunities while balancing sound credit practices with business growth objectives.

You will work directly with dealer principals, F&I managers, customers, and VFS sales leaders to develop financing solutions for a broad range of commercial customers. Transactions range from straightforward requests to complex credit structures requiring in-depth financial analysis, sound judgment, and creative problem-solving.

This position is based on-site in Greensboro, NC and reports to the Manager Retail Credit.

What you will do

•    Analyze and underwrite commercial loan and lease transactions across a variety of industries and credit profiles.
•    Evaluate customer financial statements, tax returns, cash flow, balance sheets, income statements, PayNet reports, and personal financial statements.
•    Structure transactions by determining appropriate down payments, terms, guarantor requirements, collateral support, and other risk mitigants.
•    Partner with dealers, customers, and sales teams to identify financing solutions that support customer needs while maintaining acceptable risk standards.
•    Manage a high-volume pipeline of credit requests and deliver timely, well-supported credit decisions.
•    Present clear credit recommendations and risk assessments to Retail Credit leadership.
•    Ensure compliance with Know Your Customer (KYC), OFAC, documentation, collateral perfection, and company credit policies.
•    Participate in portfolio reviews and post-mortem analyses to identify trends, strengthen decision-making, and support continuous improvement.

What Makes You Successful

You enjoy evaluating complex credit situations and finding balanced solutions. You can confidently communicate credit decisions, negotiate transaction structures, and build trusted relationships with both internal and external partners. You are comfortable working in a dynamic environment where priorities shift and each day brings new learning opportunities. You can assess risk, identify mitigating factors, and leverage your judgment to make thoughtful credit recommendations.

Experience evaluating non-prime, near-prime, thin-file, start-up, or challenged-credit applicants is highly valued. We welcome candidates from a variety of lending and underwriting backgrounds who bring strong analytical skills, sound judgment, and a customer-focused approach to credit decisioning.

Qualifications
•    Bachelor's degree in Finance, Business Administration, Accounting, or a related field is preferred, however applicants with an equivalent combination of education and relevant experience will also be considered.
•    Experience in credit underwriting, lending, risk management, commercial banking, equipment finance, specialty finance, consumer lending, auto finance, or related financial services environments.
•    Strong financial analysis skills, including interpretation of financial statements, tax returns, cash flow, and credit bureau data.
•    Experience making, recommending, or supporting credit decisions in a fast-paced environment.
•    Ability to assess risk, identify mitigating factors, and structure transactions that appropriately balance risk and business opportunity.
•    Strong written, verbal, negotiation, and relationship-management skills.
•    Proficiency with Microsoft Office 365 applications, including Teams and Excel.