Garrett Kephart

Wholesale Credit Analyst @Yamaha Motor Corporation, USA

Kennesaw, GA, US

Perform comprehensive financial analyses on balance sheets, income statements, and tax returns to‬‭evaluate dealership creditworthiness, approving credit lines ranging up to $2MM‬‬‭Help manage risk for a $1.3 billion receivables portfolio by making data-driven decisions that ensure‬‭compliance and reduce exposure to risk (accountable to Yamaha Motor Finance Corporation - US)‬‬‭Key contributor in making sure all credit deals are closed out by designated due date of generally 3 business‬ days‬‬‭Independently approve underwriting deals up to $750K and participate in the approval process for higher‬ credit limits, contributing to overall business growth and increasing Yamaha’s credit portfolio by millions of‬ dollars‬‬‭Approved over 100 credit line increases within 3 months, facilitating swift decision-making in the “Mass‬‭Increase Project” and contributing to considerable growth in credit facilities‬‬‭Streamlined credit approval processes, reducing turnaround time through cross-functional collaboration with‬‭ teams in risk, finance, and sales by creating a formalized request process on partner teams‬‬‭Research dealerships\' status through the Secretary of State to verify eligibility for credit, ensuring legal‬‭compliance and reducing fraud risk‬‬‭Engage directly with dealership owners to discuss and assess personal financials, dealership history,‬‭financial performance, and complex ownership structures, providing tailored credit solutions and ensuring accurate risk assessment‬‬‭Leveraged business technologies such as microsoft excel and Chat GPT to aid in data analytics when‬‭performing financial analyses‬‭

Kennesaw State University

Bachelor's degree, Finance, General

Peachtree Academy

High School Diploma