Credit Specialist - REMOTE

We need to output HTML fragment with headings

for sections: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Only include sections that have real specific content. Remove boilerplate, navigation, legal, EEO, etc. Also remove duplicated lines, application instructions, etc. We need to parse the job posting. Key content: - Summary Job Description: 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 - Essential Functions: bullet list (but not bullet in text). Let's extract each line after "Essential Functions". The text: "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" - 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" - Skills: list of abilities. - KNOWLEDGE: "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%" - Job Category: Credit & Collections - Compensation Information: includes Pay Type Salaried Minimum Pay Range $55,000.00 Maximum Pay Range $65,000.00 - Benefits Information: description of benefits. - Also there is "Our Culture & Commitment" but not a required heading; we could maybe include as About the role? The instructions: Use headings for sections like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. So we need to map content accordingly. We need to decide which sections to include. - About the role: could be summary job description. - Responsibilities: essential functions + additional responsibilities. - Requirements: maybe education + experience? Or we could separate Qualifications (education) and Requirements (experience). The instruction says we can have sections: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. We need to include only those with real content. We have: - About the role: summary job description. - Responsibilities: essential functions + additional responsibilities. - Qualifications: education (Bachelor's degree ... or 3 years equivalent) maybe also experience? But experience could be Requirements. - Requirements: experience (2+ years commercial credit, 2+ years financial statement analysis preferred). - Skills: list of abilities. - Knowledge: maybe could be part of Skills or Qualifications? But we have no heading for Knowledge; we could incorporate into Skills or Qualifications. Since only allowed headings are those listed, we should not create a Knowledge heading. So we can merge knowledge into Skills or Qualifications. - Benefits: benefits information. - Pay: compensation info. - Schedule: not mentioned; we have travel 1-10% but not schedule. So we should not create Schedule section because no specific content. - Licenses travel: maybe not needed. Thus output sections: About the role, Responsibilities, Qualifications, Requirements, Skills, Benefits, Pay. We need to use

for each heading. Use

• for any list of duties/requirements/benefits. Use

  for prose. We must preserve all substantive information, not invent or summarize away detail. So we need to include all details from the posting, but we can format them. We must not repeat job title as heading. Not include Job ID etc. We must remove boilerplate: privacy policy links, EEO, etc. Also remove "Our Culture & Commitment" maybe not needed as it's not a heading; but we could incorporate into About the role? The summary job description already includes some; but the culture paragraph is separate. Should we include it? It's substantive but not under a heading; we could add to About the role as prose. However the instruction: "Prefer a few substantive sections over many thin ones." So we could add culture to About the role. But we must not include duplicated lines. Ensure we don't repeat. Let's extract all substantive content: From the posting: Summary Job Description: "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" Note there is missing punctuation but we keep as is. Essential Functions (list): - 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 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 Skills (list): - 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 Knowledge: - 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% (maybe not needed) Compensation Information: - Pay Type Salaried - Minimum Pay Range $55,000.00 - Maximum Pay Range $65,000.00 - The compensation offered to a candidate may be influenced by a variety of factors, including the candidate’s relevant experience; education, including relevant degrees or certifications; work location; market data/ranges; internal equity; internal salary ranges; etc. - 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. Benefits Information: - 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. - For more information about benefits, click here (link) to download the comprehensive benefits summary. We should not include the link as it's likely boilerplate? It's a benefits link; but it's part of benefits info. The instruction: remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions. The benefits link is not exactly those; it's a link to benefits summary. Might be okay to keep but it's a link; we could keep the description but maybe drop the link as it's like a reference. However we need to preserve ALL substantive information; the link is substantive? It's a pointer to more info; but we could keep the sentence "For more information about benefits, click here to download the comprehensive benefits summary." but the actual URL may be considered boilerplate? It's not navigation; it's a benefits link. I'd keep the sentence without the URL? The instruction says preserve ALL substantive information; do not invent or summarize away detail. The link is part of the posting; but it's a URL. Might be considered navigation? Not sure. Safer to keep the sentence but maybe drop the actual URL as it's just a link. However the instruction says remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions. This is not those. So we can keep the sentence but maybe we should keep the link as part of the content. However the output is HTML fragment; we could include an tag? The instruction didn't forbid links. It said output ONLY the HTML fragment. So we could include here. But we need to be careful not to include navigation boilerplate. It's a benefits link; likely okay. But we also have "Job Seekers can review the Job Applicant Privacy Policy by clicking here (http://ryder.com/job-applicant-privacy-policy)" appears twice; that's boilerplate; we must remove. Also "Our Culture & Commitment" paragraph: "At Ryder, you’re trusted to make an impact—while enjoying room to grow and having a voice that’s heard. Our culture is built on respect, collaboration, and shared pride in doing great work rooted in innovation and safety. Your Voice. Your Success. The Future We Build Together." This is substantive; we could add to About the role. Also "Compensation Information" includes a paragraph about factors; we should keep. Also "Benefits Information" includes a sentence about link; we keep. Also "Ryder is proud to be an Equal Opportunity Employer and Drug Free workplace..." that's EEO boilerplate; remove. Also "Important Note Some positions require additional screening..." that's maybe legal; remove. Also "Security Notice For Applic