Credit Specialist - REMOTE

We need to output HTML fragment with sections: About the role? The posting includes Summary Job Description, Essential Functions, Additional Responsibilities, Education, Experience, Skills, Knowledge, Licenses Travel, Job Category, Compensation Information, Benefits Information, etc. We must not repeat job title as heading. Use

for section headings (e.g., About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). We need to map content to these headings appropriately. The instructions: "use

for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule)." So we should use those exact headings when appropriate. We need to include a section only when posting has real, specific content for it. So we need to decide which sections apply. We have: - Summary Job Description: could be "About the role". Provide prose. - Essential Functions: could be "Responsibilities". Provide list. - Additional Responsibilities: maybe also part of Responsibilities. - Education: could be "Qualifications" or "Requirements". The instruction says we can use Requirements, Qualifications. Education is a qualification. - Experience: also qualifications. - Skills: Skills section. - Knowledge: could be part of Skills or Requirements. Might combine. - Licenses Travel: maybe not needed; but travel 1-10% could be under Schedule? Not exactly. Travel is not schedule. Could be omitted if not substantive? The instruction: include a section ONLY when posting has real, specific content for it. Travel is mentioned but not a section heading we have (Schedule). Could put under Schedule? Not appropriate. Probably omit. - Job Category: maybe not needed. - Compensation Information: Pay section. - Benefits Information: Benefits section. - Others like Culture & Commitment maybe could be About the role? But we already have summary. We must not include boilerplate like EEO, privacy policy, etc. We need to preserve all substantive information; do not invent or summarize away detail. So we need to keep details like specific duties, etc. We need to use

• for any list of duties/requirements/benefits, and

  for prose. We need to avoid repeating job title as heading. We need to output only HTML fragment. Let's extract 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" We can put that as prose under

  About the role

  . Essential Functions: list of bullet points: - 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 these under Responsibilities as a list. 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 combine under Requirements or Qualifications. Let's use

  Requirements

  and include education and experience as list items. 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." We could incorporate knowledge under Skills or as separate Requirements. But we have only certain headings allowed; we could put under Skills as part of list, or maybe under Requirements. Since we already have Skills heading, we can include knowledge there as items. Licenses Travel: "LICENSES TRAVEL 1-10%" Not much detail; maybe we can ignore as not substantive for a section. Could be omitted. Job Category: maybe not needed. Compensation Information: Pay Type Salaried Minimum Pay Range $55,000.00 Maximum Pay Range $65,000.00. Also mention annual bonus, commission, long-term incentive plan. We'll put under

  Pay

  with prose. Benefits Information: list of benefits: medical, prescription, dental, vision, life insurance, disability insurance, paid time off for vacation, illness, bereavement, family and parental leave, tax-advantaged 401(k) retirement savings plan. Also note for full-time only. We'll put under

  Benefits

  with list. We must not include boilerplate like EEO, privacy policy, etc. Now construct HTML. We'll start with

  About the role

  ...

  Then

  Responsibilities

  • ...
  ...
  Then

  Requirements

  • ...
  ...
  Then

  Skills

  • ...
  ...
  Then

  Pay

  ...

  Then

  Benefits

  • ...
  ...
  Check that we didn't miss any substantive info: The summary also mentions "Provides value-added analysis, recommendations and process improvements to the business." included. Essential Functions list includes all. Additional Responsibilities included. Education and experience included. Skills list includes all. Knowledge included as items under Skills. Pay includes mention of annual bonus, commission, long-term incentive plan. Benefits includes list. We omitted Job Category, Licenses Travel, Culture & Commitment (maybe could be part of About the role but we already have summary; we could add a sentence about culture but not required). The instruction: preserve ALL substantive information; do not invent or summarize away detail. If we omit Culture & Commitment, we are losing substantive info. The posting includes a paragraph about culture: "Our Culture & Commitment 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." That's substantive. Should we include it? We could add to About the role section as additional prose. That would preserve it. Thus About the role paragraph should include the summary job description plus the culture paragraph. We need to ensure we don't repeat any boilerplate like "Our Culture & Commitment" heading; we just include the prose. Now check for any other substantive: "Compensation Information 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." We included that. "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." We included. Now ensure we didn't include any duplicated lines: The posting had duplicate "Job Seekers can review the Job Applicant Privacy Policy by clicking here" twice; we omitted. Now produce HTML. Make sure to properly escape any special characters like apostrophes? Not needed. Let's craft. About the role paragraph: combine: "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. 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." Make sure punctuation. Now Responsibilities list items: need to include all essential functions and additional responsibilities. 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 - Assist with Ad hoc tasks required within the department - Performs other duties as assigned Now Requirements list: - 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 Now Skills list: include all skill items plus knowledge items. Skill items: - 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