Credit Specialist - REMOTE
for sections: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Only include sections where there is real specific content. We must not repeat job title. Remove boilerplate like privacy policy links, EEO, etc. Also remove application instructions, duplicate lines, etc.
We need to preserve all substantive info: summary job description, essential functions, additional responsibilities, education, experience, skills, knowledge, licenses travel, compensation info (pay range), benefits info.
We need to decide sections: Likely "About the role" could be summary job description. "Responsibilities" could be essential functions + additional responsibilities. "Requirements" maybe education and experience. "Qualifications" maybe skills? But we have separate Skills section. Could combine. The instruction: use headings for those specific labels. We should follow typical mapping: About the role (summary), Responsibilities (essential functions + additional), Requirements (education + experience), Qualifications (maybe knowledge/licenses?), Skills (skills list), Benefits (benefits info), Pay (compensation), Schedule (maybe travel %?). Travel 1-10% could be schedule? Not exactly schedule but could be schedule info. The instruction: include Schedule section only if posting actually states them. It mentions travel 1-10% - that's not schedule but maybe travel requirement. Could treat as Schedule? Probably not; schedule refers to work schedule (full-time, part-time, shift). Not present. So we should omit Schedule section.
Pay: we have compensation range: Salaried Minimum $55,000 Maximum $65,000. Also mention annual bonus, commission, long-term incentive. That's substantive. So include Pay section.
Benefits: we have benefits info for full-time positions: health, dental, vision, life, disability, PTO, 401k. Include Benefits.
Now we need to format lists with - for any list of duties/requirements/benefits. Use
for prose.
We must not include boilerplate like privacy policy links, EEO, etc. Also remove duplicated lines (the privacy policy appears twice). Remove "Job Category: Credit & Collections" maybe could be included as metadata? It's minor; we could fold into a short p or drop. Probably drop.
We need to preserve all substantive info: So include summary job description paragraph.
Essential functions list: multiple bullet points.
Additional responsibilities: maybe separate bullet list.
Education: Bachelor's degree... or 3 years equivalent experience.
Experience: Two years or more experience in commercial credit; Two years or more experience in financial statement analysis preferred.
Skills: list of abilities.
Knowledge: Microsoft Office, credit software.
Licenses Travel: 1-10% travel.
We need to decide where to put knowledge and licenses. Could be under Qualifications or Skills. Since we have Skills heading, we could put knowledge and licenses under Skills as part of list. Or we could create a Qualifications heading for knowledge/licenses. The instruction: Use headings for those specific labels only if content exists. We have content for Knowledge and Licenses Travel. Could create a Qualifications section for knowledge and licenses. But we also have Requirements heading for education/experience. Could also have Qualifications for knowledge/licenses. Let's follow typical: Requirements = education + experience. Qualifications = knowledge, licenses, travel. Skills = abilities.
Thus sections: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay.
Now we need to ensure we don't create empty sections.
Let's craft.
About the role: paragraph summarizing: "The Rental Credit Specialist will perform a variety of functions required to analyze the credit worthiness and risk to Ryder's Rental, National Rental and Freight Management Group (FMG) customers. Provides value-added analysis, recommendations and process improvements to the business. Individual will provide credit and business recommendations to local management to support sales revenue growth while mitigating risk. This position handles all Rental, National Rental and FMG product lines."
That's from summary.
Responsibilities: combine essential functions and additional responsibilities as bullet list.
Essential functions list items:
- Works with Rental, National Rental, and FMG sales group on credit requests on new customers and increased credit lines for existing customers
- Assist Lease analyst in initial review of lease assignments handling preliminary credit review for assignee/assignor and obtaining Ryder documentation including TLSA, nfusion information and Ryder history
- Reviews credit reports, Ryder and company history, and financial statements
- Performs review on customer to determine any deterioration of their credit worthiness and re-evaluate the desired exposure, determining the proper credit line as well as an action plan to reduce our rentals if needed
- Communicates to stop loss, collections, sales and operations on problem or high risk accounts by e-mail or conference calls to advise of potential loss
- Verify all critical documentation & security is received from customer (ACH amendment, cash deposits, ILOC's, guarantees, etc.)
- Assist daily with Credit Hold Mailbox reviewing emails to make sure proper information is given
Additional responsibilities:
- Assist with Ad hoc tasks required within the department
- Performs other duties as assigned
We can combine into one list.
Requirements: education and experience.
Education: Bachelor's degree in business, finance or accounting or 3 years equivalent business work experience.
Experience: Two (2) years or more experience in commercial credit; Two (2) years or more experience in financial statement analysis preferred.
We could make two bullet points.
Qualifications: knowledge and skills in Microsoft Office products (Excel, Word, PowerPoint and Access); intermediate level. Work with Credit software that include credit scoring systems such as Cortera or Equifax; intermediate level. Licenses Travel 1-10%.
We could list as bullet points.
Skills: list of abilities:
- Ability to analyze and interpret financial data.
- Ability to complete spreads, analyzing trends and assessing credit risks
- Capable of multi-tasking, highly organized, with excellent time management skills.
- Manage work queues, e-mails, and calls from multiple sources (Sales, customers, collections, etc.)
- Strong verbal and written communication skills.
- Communicate effectively with customers & Sales
- Ability to create and maintain professional relationships within all levels of the organization (peers, work groups, customers, supervisors).
- Maintain professional demeanor in potentially high stress environment
- Ability to work independently and as a member of a team.
- Work independently to render responsible credit decisions
- Ability to assess a situation, seek multiple perspectives, gather more information if necessary, and identify key issues that need to be addressed.
- Creative ability to structure deals, minimizing risk and growing sales
- Demonstrates excellent judgment and decision making skills
- Detail oriented with excellent follow-up practices
We could combine some but keep as list.
Benefits: For all Full-time positions only: Ryder offers comprehensive health and welfare benefits, to include medical, prescription, dental, vision, life insurance and disability insurance options, as well as paid time off for vacation, illness, bereavement, family and parental leave, and a tax-advantaged 401(k) retirement savings plan.
We could bullet list benefits.
Pay: Compensation Information: The compensation offered to a candidate may be influenced by a variety of factors... The position may also be eligible to receive an annual bonus, commission, and/or long-term incentive plan based on the level and/or type. Compensation ranges for the position are below: Pay Type Salaried Minimum Pay Range $55,000.00 Maximum Pay Range $65,000.00
We could present as paragraph with bullet maybe.
We must not include boilerplate like "Compensation Information The compensation offered..." but we need to keep substantive info: pay range, eligibility for bonus etc. We can summarize but must preserve all substantive info; we cannot invent or summarize away detail. However we can rephrase but must keep the info. The instruction: "Preserve ALL substantive information; do NOT invent or summarize away detail." So we need to keep the details: mention that compensation may be influenced by factors, eligible for annual bonus, commission, long-term incentive, pay type salaried, min $55k, max $65k. We can keep that as a paragraph.
We must not include the "Compensation Information" heading as it's not one of the allowed headings; we will use
Pay
and then paragraph.
Now ensure we don't include any links, privacy policy, EEO, etc.
Now produce HTML fragment.
Let's craft:
About the role
The Rental Credit Specialist will perform a variety of functions required to analyze the credit worthiness and risk to Ryder's Rental, National Rental and Freight Management Group (FMG) customers. Provides value-added analysis, recommendations and process improvements to the business. Individual will provide credit and business recommendations to local management to support sales revenue growth while mitigating risk. This position handles all Rental, National Rental and FMG product lines.
Responsibilities
- Works with Rental, National Rental, and FMG sales group on credit requests on new customers and increased credit lines for existing customers
- Assist Lease analyst in initial review of lease assignments handling preliminary credit review for assignee/assignor and obtaining Ryder documentation including TLSA, nfusion information and Ryder history
- Reviews credit reports, Ryder and company history, and financial statements
- Performs review on customer to determine any deterioration of their credit worthiness and re-evaluate the desired exposure, determining the proper credit line as well as an action plan to reduce our rentals if needed
- Communicates to stop loss, collections, sales and operations on problem or high risk accounts by e-mail or conference calls to advise of potential loss
- Verify all critical documentation & security is received from customer (ACH amendment, cash deposits, ILOC's, guarantees, etc.)
- Assist daily with Credit Hold Mailbox reviewing emails to make sure proper information is given
- Assist with Ad hoc tasks required within the department
- Performs other duties as assigned
Requirements
- Bachelor's degree in business, finance or accounting or 3 years equivalent business work experience.
- Two (2) years or more experience in commercial credit.
- Two (2) years or more experience in financial statement analysis preferred.
Qualifications
- Knowledge and skills in Microsoft Office products (Excel, Word, PowerPoint and Access); intermediate level.
- Work with Credit software that include credit scoring systems such as Cortera or Equifax; intermediate level.
- Travel required 1‑10%.
Skills
- Ability to analyze and interpret financial data.
- Ability to complete spreads, analyzing trends and assessing credit risks.
- Capable of multi‑tasking, highly organized, with excellent time management skills.
- Manage work queues, e‑mails, and calls from multiple sources (Sales, customers, collections, etc.).
- Strong verbal and written communication skills.
- Communicate effectively with customers & Sales.
- Ability to create and maintain professional relationships within all levels of the organization (peers, work groups, customers, supervisors).
- Maintain professional demeanor in potentially high stress environment.
- Ability to work independently and as a member of a team.
- Work independently to render responsible credit decisions.
- Ability to assess a situation, seek multiple perspectives, gather more information if necessary, and identify key issues that need to be addressed.
- Creative ability to structure deals, minimizing risk and growing sales.
- Demonstrates excellent judgment and decision making skills.
- Detail oriented with excellent follow‑up practices.
Benef
for prose. We must not include boilerplate like privacy policy links, EEO, etc. Also remove duplicated lines (the privacy policy appears twice). Remove "Job Category: Credit & Collections" maybe could be included as metadata? It's minor; we could fold into a short p or drop. Probably drop. We need to preserve all substantive info: So include summary job description paragraph. Essential functions list: multiple bullet points. Additional responsibilities: maybe separate bullet list. Education: Bachelor's degree... or 3 years equivalent experience. Experience: Two years or more experience in commercial credit; Two years or more experience in financial statement analysis preferred. Skills: list of abilities. Knowledge: Microsoft Office, credit software. Licenses Travel: 1-10% travel. We need to decide where to put knowledge and licenses. Could be under Qualifications or Skills. Since we have Skills heading, we could put knowledge and licenses under Skills as part of list. Or we could create a Qualifications heading for knowledge/licenses. The instruction: Use headings for those specific labels only if content exists. We have content for Knowledge and Licenses Travel. Could create a Qualifications section for knowledge and licenses. But we also have Requirements heading for education/experience. Could also have Qualifications for knowledge/licenses. Let's follow typical: Requirements = education + experience. Qualifications = knowledge, licenses, travel. Skills = abilities. Thus sections: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay. Now we need to ensure we don't create empty sections. Let's craft. About the role: paragraph summarizing: "The Rental Credit Specialist will perform a variety of functions required to analyze the credit worthiness and risk to Ryder's Rental, National Rental and Freight Management Group (FMG) customers. Provides value-added analysis, recommendations and process improvements to the business. Individual will provide credit and business recommendations to local management to support sales revenue growth while mitigating risk. This position handles all Rental, National Rental and FMG product lines." That's from summary. Responsibilities: combine essential functions and additional responsibilities as bullet list. Essential functions list items: - Works with Rental, National Rental, and FMG sales group on credit requests on new customers and increased credit lines for existing customers - Assist Lease analyst in initial review of lease assignments handling preliminary credit review for assignee/assignor and obtaining Ryder documentation including TLSA, nfusion information and Ryder history - Reviews credit reports, Ryder and company history, and financial statements - Performs review on customer to determine any deterioration of their credit worthiness and re-evaluate the desired exposure, determining the proper credit line as well as an action plan to reduce our rentals if needed - Communicates to stop loss, collections, sales and operations on problem or high risk accounts by e-mail or conference calls to advise of potential loss - Verify all critical documentation & security is received from customer (ACH amendment, cash deposits, ILOC's, guarantees, etc.) - Assist daily with Credit Hold Mailbox reviewing emails to make sure proper information is given Additional responsibilities: - Assist with Ad hoc tasks required within the department - Performs other duties as assigned We can combine into one list. Requirements: education and experience. Education: Bachelor's degree in business, finance or accounting or 3 years equivalent business work experience. Experience: Two (2) years or more experience in commercial credit; Two (2) years or more experience in financial statement analysis preferred. We could make two bullet points. Qualifications: knowledge and skills in Microsoft Office products (Excel, Word, PowerPoint and Access); intermediate level. Work with Credit software that include credit scoring systems such as Cortera or Equifax; intermediate level. Licenses Travel 1-10%. We could list as bullet points. Skills: list of abilities: - Ability to analyze and interpret financial data. - Ability to complete spreads, analyzing trends and assessing credit risks - Capable of multi-tasking, highly organized, with excellent time management skills. - Manage work queues, e-mails, and calls from multiple sources (Sales, customers, collections, etc.) - Strong verbal and written communication skills. - Communicate effectively with customers & Sales - Ability to create and maintain professional relationships within all levels of the organization (peers, work groups, customers, supervisors). - Maintain professional demeanor in potentially high stress environment - Ability to work independently and as a member of a team. - Work independently to render responsible credit decisions - Ability to assess a situation, seek multiple perspectives, gather more information if necessary, and identify key issues that need to be addressed. - Creative ability to structure deals, minimizing risk and growing sales - Demonstrates excellent judgment and decision making skills - Detail oriented with excellent follow-up practices We could combine some but keep as list. Benefits: For all Full-time positions only: Ryder offers comprehensive health and welfare benefits, to include medical, prescription, dental, vision, life insurance and disability insurance options, as well as paid time off for vacation, illness, bereavement, family and parental leave, and a tax-advantaged 401(k) retirement savings plan. We could bullet list benefits. Pay: Compensation Information: The compensation offered to a candidate may be influenced by a variety of factors... The position may also be eligible to receive an annual bonus, commission, and/or long-term incentive plan based on the level and/or type. Compensation ranges for the position are below: Pay Type Salaried Minimum Pay Range $55,000.00 Maximum Pay Range $65,000.00 We could present as paragraph with bullet maybe. We must not include boilerplate like "Compensation Information The compensation offered..." but we need to keep substantive info: pay range, eligibility for bonus etc. We can summarize but must preserve all substantive info; we cannot invent or summarize away detail. However we can rephrase but must keep the info. The instruction: "Preserve ALL substantive information; do NOT invent or summarize away detail." So we need to keep the details: mention that compensation may be influenced by factors, eligible for annual bonus, commission, long-term incentive, pay type salaried, min $55k, max $65k. We can keep that as a paragraph. We must not include the "Compensation Information" heading as it's not one of the allowed headings; we will use
Pay
and then paragraph. Now ensure we don't include any links, privacy policy, EEO, etc. Now produce HTML fragment. Let's craft:About the role
The Rental Credit Specialist will perform a variety of functions required to analyze the credit worthiness and risk to Ryder's Rental, National Rental and Freight Management Group (FMG) customers. Provides value-added analysis, recommendations and process improvements to the business. Individual will provide credit and business recommendations to local management to support sales revenue growth while mitigating risk. This position handles all Rental, National Rental and FMG product lines.
Responsibilities
- Works with Rental, National Rental, and FMG sales group on credit requests on new customers and increased credit lines for existing customers
- Assist Lease analyst in initial review of lease assignments handling preliminary credit review for assignee/assignor and obtaining Ryder documentation including TLSA, nfusion information and Ryder history
- Reviews credit reports, Ryder and company history, and financial statements
- Performs review on customer to determine any deterioration of their credit worthiness and re-evaluate the desired exposure, determining the proper credit line as well as an action plan to reduce our rentals if needed
- Communicates to stop loss, collections, sales and operations on problem or high risk accounts by e-mail or conference calls to advise of potential loss
- Verify all critical documentation & security is received from customer (ACH amendment, cash deposits, ILOC's, guarantees, etc.)
- Assist daily with Credit Hold Mailbox reviewing emails to make sure proper information is given
- Assist with Ad hoc tasks required within the department
- Performs other duties as assigned
Requirements
- Bachelor's degree in business, finance or accounting or 3 years equivalent business work experience.
- Two (2) years or more experience in commercial credit.
- Two (2) years or more experience in financial statement analysis preferred.
Qualifications
- Knowledge and skills in Microsoft Office products (Excel, Word, PowerPoint and Access); intermediate level.
- Work with Credit software that include credit scoring systems such as Cortera or Equifax; intermediate level.
- Travel required 1‑10%.
Skills
- Ability to analyze and interpret financial data.
- Ability to complete spreads, analyzing trends and assessing credit risks.
- Capable of multi‑tasking, highly organized, with excellent time management skills.
- Manage work queues, e‑mails, and calls from multiple sources (Sales, customers, collections, etc.).
- Strong verbal and written communication skills.
- Communicate effectively with customers & Sales.
- Ability to create and maintain professional relationships within all levels of the organization (peers, work groups, customers, supervisors).
- Maintain professional demeanor in potentially high stress environment.
- Ability to work independently and as a member of a team.
- Work independently to render responsible credit decisions.
- Ability to assess a situation, seek multiple perspectives, gather more information if necessary, and identify key issues that need to be addressed.
- Creative ability to structure deals, minimizing risk and growing sales.
- Demonstrates excellent judgment and decision making skills.
- Detail oriented with excellent follow‑up practices.