Job Description

Overall Purpose and Objective of Position

This position conducts credit analysis and due diligence reviews, makes decisions regarding credit limits and credit grading, develops and implements risk prevention strategies and maintains and updates risk information systems and credit data in support of the North American business units. The Credit Analyst will be required to exhibit initiative with regard to decision making within a delegated credit authority.

Primary Responsibilities/Essential Functions

• Researches data from various sources to ensure accuracy of analysis, including ordering credit reports and analyzing financial data, credit metrics, credit strengths/weaknesses and other information to support decision making and/or recommendations for credit approval while working within delegated credit authority.

• Conducts due diligence analysis to assist in determining transactional credit risk and whether to extend credit or require secured terms

• Manage daily order releases and exposure levels across business lines

Additional Responsibilities

• Administers the implementation of, and compliance with, credit policies and procedures using approved methodology; communicates with traders and controllers to resolve conflicts.
• Maintains and updates credit reports and systems.
• Reviews credit risk exposure and follows up on trading/customer credit limit excesses, recommends and implements strategies to reduce exposures if necessary to ensure compliance with global credit policy.

Qualifications

Education/Professional Certifications/Licenses

The following is the basic qualification:

• Bachelor’s Degree with a focus on quantitative subjects

Experience

The following is the basic qualification:

• 2 – 5 (plus) years of experience within physical commodity trading, banking, or financial analysis

Knowledge/Skills/Abilities (including any physical demands)

The following are the basic qualifications:

• Strong verbal and written communication skills
• Detail oriented
• Ability of prioritize multiple tasks and meet strict daily deadlines independently
• Proficiency with MS Excel and PowerPoint

The following are the preferred qualifications:

• Fluent Spanish speaker
• Knowledge of international trade finance practices and international banking procedures
• Ability to analyze financial statements and assess transactional or corporate risk
• Ability to make decisions to establish credit limits for customers and recommend financing options and alternatives
• Knowledge of available credit tools (D&B, Moody’s, S&P) to properly evaluate credit
• Ability to manage problem/past-due accounts with trading and sales teams, including determining appropriate collections actions
• Knowledge/experience with soft commodities products

Additional Information

Working Conditions

Typical climate-controlled office environment.

Extensions of regular working hours are occasionally necessary to complete time-sensitive projects, attend training or to respond to emergencies

Domestic and/or international travel might be required

Decision Making/Accountability

Establishes payment terms and credit grades. Conducts financial analysis from high volumes of data to formulate recommendations regarding financial decisions that will determine the level of risk exposure the Company will take on a particular counterparty. Inaccurate information may result in the decision to take excessive risks when extending credit to customers.

What We Offer

We provide a dynamic and stimulating international environment, which will stretch and develop your abilities and channel your skills and expertise with outstanding career development opportunities in one of the largest and most solid private companies in the world.

- Comprehensive benefits program including medical, dental and vision care coverage, flexible spending account plans, employee assistance program, life insurance and disability coverage
- 401k with Company Match
- Family Friendly Benefits including childbirth and parental leave, fertility and family building benefits
- Paid Time Off (PTO) and Paid Holidays
- Flexible work available (not applicable to all roles)

Diversity & Inclusion

LDC is driven by a set of shared values and high ethical standards, with diversity and inclusion being part of our DNA. LDC is an equal opportunity employer committed to providing a working environment that embraces and values diversity, equity and inclusion.

LDC encourages diversity, supports local communities and environmental initiatives. We encourage people of all backgrounds to apply.

Equal employment opportunity (EEO)

Louis Dreyfus Company provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

Sustainability

Sustainable value is at the heart of our purpose as a company.

We are passionate about creating fair and sustainable value, both for our business and for other value chain stakeholders: our people, our business partners, the communities we touch and the environment around us