Credit Risk Manager Jobs in Mobile, AL (NOW HIRING)

Due to our continued growth and the strong partnership between Empire Truck Sales and Stribling Equipment, S&G Financial is seeking a highly motivated and experienced Credit Analyst to join our team. This position supports the financial operations of both organizations and plays a critical role in facilitating responsible growth across our expanding customer base. We are hiring one person for this role.Location: On-site at one of our three dealership locations: Mobile, AL; St. Rose, LA (near New Orleans); or Richland, MS (corporate office near Jackson, MS).This opportunity is ideal for a results-driven financial professional with strong analytical skills who excels in a fast-paced, high-volume environment. The successful candidate will drive sound credit decisions, manage risk exposure, and collaborate cross-functionally to support sustainable growth across both partner organizations.Position SummaryThe Credit Analyst is responsible for evaluating credit data and financial information for individuals and businesses applying for financing for heavy equipment and commercial trucks. This role assesses risk exposure, determines creditworthiness, and supports decision-making on loan approvals, credit limits, and terms, including interest rates. The Credit Analyst prepares detailed financial analyses and credit risk reports to guide management decisions, and collaborates closely with remote sales representatives and internal departments to support customer acquisitions, dealer financing needs, and ongoing account management.Key ResponsibilitiesAnalyze clients' credit data and financial statements to assess lending risk for heavy equipment and commercial truck financing transactionsPrepare comprehensive credit analysis reports and risk assessments to support equipment loan, lease, and dealer financing decisionsReview client records and recommend appropriate payment structures, credit terms, and financing options for equipment dealers and commercial trucking operationsComplete loan applications, credit analyses, and loan summaries for management approval on heavy equipment and commercial vehicle financing requestsCalculate and interpret financial ratios using internal systems and software to evaluate borrower creditworthiness and asset-based lending riskCommunicate with credit bureaus, credit associations, and trade references to verify credit information for equipment and truck dealership customersCollaborate cross-functionally with Sales, Supply Chain, and Marketing to manage credit exposure, floor plan financing, and inventory-related financial ordersMonitor customer accounts and payment histories to ensure timely collections and reduce risk of past-due accounts or disputesCommunicate directly with clients to verify financial transactions and resolve credit and collections concerns related to equipment and truck financingSupport remote sales teams across dealership locations with credit evaluations for equipment and truck acquisitions and customer onboardingWhat You Will Need:Minimum of 2 years of experience as a Credit Analyst, with credit analysis serving as the primary job functionBachelor's degree in Accounting, Finance, Economics, Statistics, Marketing, or a related field, or equivalent relevant experienceMust be legally authorized to work in the United States on a full-time basis without the need for employer-sponsored work authorization now or in the futureRegular, in-person attendance is required at one of our three listed locations; reasonable accommodations will be considered in accordance with applicable lawPreferred QualificationsExperience financing heavy equipment and/or commercial trucksExperience in a fast-paced, high-volume credit and collections environmentStrong analytical and problem-solving skillsProficiency in Microsoft Office and financial software systemsExcellent written and verbal communication skillsAbility to manage multiple priorities and meet deadlinesWhy Join S&G Financial?Competitive compensationAffordable health benefits package401(k) eligibility after 90 daysState-of-the-art facilitiesProfessional growth opportunitiesS&G Financial, Empire Truck Sales, and Stribling Equipment promote a safe and drug-free workplace. The selected candidate must successfully pass all pre-employment screenings, including a background check and drug test upon offer acceptance.S&G Financial, Empire Truck Sales, and Stribling Equipment are Equal Opportunity Employers. #J-18808-Ljbffr