The Credit Analyst is accountable for managing our credit system, processes, and implementation of new strategies. Providing insightful and quantitative analysis/models to help with optimal commercial decision making and risk management leading to business growth, improvements and efficiencies.
PRIMARY RESPONSIBILITIES/ESSENTIAL FUNCTIONS:
- Assist with modification to credit policy to ensure company is accepting credit risks which are within risk appetite
- Work with key stakeholders such as sales, operations and commercial to understand impacts to business as credit strategy is adjusted and find the balance between risk taking and profitability
- Analyze historical bad debt data along with other customer, product attributes to find areas of improvement, trends and develop proposals to improve the business
- Own credit policy reviews that dictate our path forward to optimize profitability that considers numerous profit and loss variables
- Preventing, reducing and managing credit losses when occurred
- Consulting business and sales on developing business in markets/customers with high credit risk
- Other task as assigned
EDUCATION, LICENSING, AND CERTIFICATIONS:
Required
- Four year college or university degree in Finance, Accounting, or related field or equivalent education
EXPERIENCE
Required
- 5 + years of risk management, treasury, or credit experience is required
- 5+ years of experience in analytical, credit underwriting or statistical modelling roles
- Experienced in Power BI, SQL, MS Excel and data science platforms
- Sense of urgency and proven capability to work within short deadlines
COMPETENCIES, SKILLS, AND KNOWLEDGE:
Required
- Ability to monitor numerous procedures and processes through KPIs to ensure company policy is followed
- Develop empirically derived recommendations that are tracked and test against alternatives and benchmarks
- Track record of planning, evaluating, implementing and continuously improving all aspects of credit functions and processes
- Strong math and analytical skills
- Strong computer skills, including Microsoft Office suite, especially Excel
- Good knowledge of Oracle finance system
Required Skills
Required Experience