Senior Credit Analyst

Major Responsibilities:

Gather the information necessary (commercial credit reports, financial statements, etc.) to perform assessments of the credit worthiness of customers

Perform analysis to determine credit limits pursuant to company guidelines and risk of loss

Escalate credit, financial, and potential bankruptcy concerns pursuant to company guidelines

Administer customer data in company ERP system; including initial and post account set up (this includes credit limit, payment terms, bank account information, bill to addresses, etc.)

Mentor and assist in the training of members of the Credit Team

Prepare credit approval requests for executive level briefing and review

Administer the "Customer Credit Analysis" report (prompts the need for customer credit analysis when customer reaches 85% of its assigned credit limit)

Communicate to collections and sales teams, customers that may exceed their credit limit

Develop and maintain quality relationships with Sales, Account Managers, Collectors, and all Order-To-Cash team members

Evaluate requests for "credit releases" on accounts exceeding credit limits, "hot" orders, and "payment in advance" orders. Release such orders as authorized to do so pursuant to company guidelines

Initiate the customer on-boarding process after credit is approved

Respond to customer inquiries to establish and maintain positive communications and relationships with customers both internal and external

Perform special projects and other duties as may be assigned from time to time by management

Qualifications:

Bachelor's degree preferred with an emphasis on Finance, Accounting or Business Administration

Minimum three to five years' experience in business to business credit analysis

Sound understanding of basic accounting principles

General familiarity with, and understanding of, financial statements, ratios, and concepts

Ability to document in an organized fashion

Ability to develop and prepare spreadsheets

Ability to clearly and concisely present summary of credit related issues

Experience in the transportation industry is preferred

Basic understanding of commercial bankruptcy laws

Excellent communication skills, both verbal and written, with the ability to effectively interface with customers and internal personnel

Ability to provide excellent customer care with a "client service" mindset and the ability to use collaborative and non-adversarial approaches to achieving diverse goals

Proficient in general computer use and MS Office applications; strong Excel skills required (Word PowerPoint and Outlook are a plus)

Capable of adapting to a rapidly changing environment while embracing new technologies/tools

Ability to effectively manage competing deadlines in a high-pressure work environment with varying degrees of supervision

Excellent analytical/problem solving skills

Interactive, team-oriented mindset with a motivation to enhance process improvement