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

• Intermediate PC skills including proficient typing, mouse usage, and account navigation.
• Efficient use of Microsoft Office software; Excel and Word specifically.
• Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.
• Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals.
• Ability to read and interpret data in routine reports and correspondence.
• Ability to handle difficult customer situations in a professional manner; strong customer service skills.
• Ability to deal with problems involving several concrete variables in standardized situations.