Credit Specialist - REMOTE

We need to output HTML fragment with sections: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Only include sections that have real specific content. We must not repeat job title as heading. Must not include Job ID etc. Must preserve all substantive info, not invent or summarize away detail. Remove boilerplate like privacy policy links, EEO, etc. Also remove duplicated lines, application instructions. We need to parse the job posting. 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 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 Travel 1-10%) Job Category: Credit & Collections Our Culture & Commitment: paragraph about culture (maybe we can include as About the role? Actually "About the role" could be summary job description. "Our Culture & Commitment" maybe not a standard heading; but we could treat as About the role? The instruction: use headings for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). So we need to map content to those headings. We have: - About the role: could be summary job description + maybe culture? But we should not invent. The posting includes "Our Culture & Commitment" paragraph. That could be considered part of About the role? But we have a specific heading "About the role". We could put the summary job description there. The culture paragraph maybe also part of About the role? But it's not explicitly requested; but we could include it as part of About the role if we want to preserve all substantive info. However we must not create sections with filler. The culture paragraph is substantive; we could include it under About the role. - Responsibilities: essential functions + additional responsibilities. - Requirements: maybe education + experience? Or Requirements could be education and experience. Qualifications could be skills? Actually typical: Requirements = education/experience; Qualifications = skills/knowledge. But we need to follow instruction: use those headings only if posting has real specific content for them. We have education and experience; we can put under Requirements. We have skills and knowledge; we can put under Qualifications or Skills. The instruction lists Skills as a possible heading. So we could have Skills heading for abilities. Knowledge could be part of Skills or Qualifications. But we have separate "Knowledge" section. We could put under Qualifications (knowledge and skills). However we also have a Skills heading available. Let's decide: Use Requirements for education+experience. Use Skills for abilities list. Use Qualifications for knowledge? But we have both Skills and Knowledge sections; maybe combine knowledge into Skills? But we should preserve all info; we could create a Qualifications heading for knowledge (Microsoft Office, credit software). However the instruction says "use

for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule)". It doesn't forbid using both Qualifications and Skills. So we can have both. Thus: - About the role: summary job description + culture paragraph? Might be too much but okay. - Responsibilities: essential functions + additional responsibilities (as list). - Requirements: education + experience. - Qualifications: knowledge (Microsoft Office, credit software). - Skills: abilities list. - Benefits: benefits information (full-time positions only). We have that. - Pay: compensation information with salary range. - Schedule: travel 1-10% maybe considered schedule? Actually schedule could be travel percentage. The posting includes "LICENSES TRAVEL 1-10%". That's travel requirement. Could be considered Schedule? Not exactly. But we have a Schedule heading; we could put travel % there. However the instruction says only create Schedule section if posting actually states them. It does state travel 1-10%. So we can include Schedule with that. We must not include boilerplate like privacy policy links, EEO, etc. Also remove duplicated lines (the privacy policy appears twice). Remove application instructions, etc. We need to output only HTML fragment, no /, no markdown fences. 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, providing value‑added analysis, recommendations and process improvements to the business. The individual will provide credit and business recommendations to local management to support sales revenue growth while mitigating risk, handling 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.

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 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
• Experience with credit software that include credit scoring systems such as Cortera or Equifax – intermediate level

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

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.

Pay

Pay Type: Salaried
Minimum Pay Range: $55,000.00
Maximum Pay Range: $65,000.00

Schedule

Travel: 1‑10%

Check for any leftover boilerplate: we removed privacy policy, EEO, drug free workplace, important note, security notice, current employees, job category maybe not needed. Job Category: Credit & Collections - could be included maybe under About the role? But we already have About the role; we could add a line about job category. However the instruction says do not put Job ID/requisition numbers as headings — fold minor metadata into a short

or drop it. Job Category is minor metadata; we could fold into About the role paragraph. But we already have About the role with two paragraphs; we could add a sentence: "Job Category: Credit & Collections." However that might be considered minor metadata; we can include it in a short p. Let's add a short paragraph after the culture paragraph: "