Credit Specialist - REMOTE
for each section heading. Use - for lists. Use
for prose.
We must preserve all substantive info, not invent. Remove boilerplate: privacy policy links, EEO, etc. Also remove duplicated lines like "Job Seekers can review the Job Applicant Privacy Policy by clicking here". Remove application instructions, etc.
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 (each bullet):
- 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" and "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: none mentioned? There's "LICENSES TRAVEL 1-10%" maybe indicates travel 1-10% but no specific licenses. We'll include Travel as part of Requirements maybe.
Job Category: Credit & Collections (not needed as heading). Could include as a short paragraph maybe but not required.
Compensation Information: Pay Type Salaried Minimum Pay Range $55,000.00 Maximum Pay Range $65,000.00
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 keep the link? The instruction says remove boilerplate, navigation, legal, EEO, etc. The benefits link is not boilerplate? It's a link to benefits summary. Might be considered part of benefits info. Probably keep the link as part of benefits section.
We must not include application instructions, privacy policy links, etc.
Now produce HTML.
Structure:
About the role
... summary ...
Responsibilities
- ... essential functions ...
- ... additional responsibilities ...
Requirements
- 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: 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.
- Travel: 1-10% travel.
But we need to ensure we don't create filler like "not specified". Travel is given.
We could also separate Skills into multiple - items rather than one big string. The instruction: Use
- for any list of duties/requirements/benefits. So we should break each skill into separate
- . Similarly for knowledge items.
Thus:
Skills
maybe as separate section? The instruction says use headings for section headings like Skills, Benefits, Pay, Schedule. So we could have separate sections for Skills, Knowledge, etc. But they said "Prefer a few substantive sections over many thin ones." So maybe combine Education, Experience, Skills, Knowledge, Travel into a Requirements section with sub-lists? But they said use - for any list of duties/requirements/benefits. It doesn't forbid nested lists? Probably better to have separate sections for each major category: Education, Experience, Skills, Knowledge, Travel. But that may be many thin sections. However they said prefer a few substantive sections over many thin ones. So we should combine into a Requirements section with subheadings? But we cannot use headings other than
. Could we use for subheadings inside Requirements? That would be many sections. Better to have one Requirements section with paragraphs and lists.
We can do:
Requirements
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
but we cannot use h4? Only h3 allowed for section headings. But we could use Skills: then . That's acceptable.
Thus:
Requirements
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:
- 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.
Travel: 1-10% travel.
That seems fine.
Now Benefits section:
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. For more information about benefits, download the comprehensive benefits summary.
Pay section:
Pay
Pay Type: Salaried. Minimum Pay Range: $55,000.00. Maximum Pay Range: $65,000.00.
We could also mention that position may be eligible for annual bonus, commission, long-term incentive plan. That's substantive. Include that.
Thus Pay section:
Pay Type: Salaried. Minimum Pay Range: $55,000.00. Maximum Pay Range: $65,000.00. The position may also be eligible to receive an
for prose. We must preserve all substantive info, not invent. Remove boilerplate: privacy policy links, EEO, etc. Also remove duplicated lines like "Job Seekers can review the Job Applicant Privacy Policy by clicking here". Remove application instructions, etc. 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 (each bullet): - 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" and "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: none mentioned? There's "LICENSES TRAVEL 1-10%" maybe indicates travel 1-10% but no specific licenses. We'll include Travel as part of Requirements maybe. Job Category: Credit & Collections (not needed as heading). Could include as a short paragraph maybe but not required. Compensation Information: Pay Type Salaried Minimum Pay Range $55,000.00 Maximum Pay Range $65,000.00 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 keep the link? The instruction says remove boilerplate, navigation, legal, EEO, etc. The benefits link is not boilerplate? It's a link to benefits summary. Might be considered part of benefits info. Probably keep the link as part of benefits section. We must not include application instructions, privacy policy links, etc. Now produce HTML. Structure:
About the role
... summary ...
Responsibilities
- ... essential functions ...
- ... additional responsibilities ...
Requirements
- 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: 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.
- Travel: 1-10% travel.
- for any list of duties/requirements/benefits. So we should break each skill into separate
- . Similarly for knowledge items.
Thus:
Skills
maybe as separate section? The instruction says use headings for section headings like Skills, Benefits, Pay, Schedule. So we could have separate sections for Skills, Knowledge, etc. But they said "Prefer a few substantive sections over many thin ones." So maybe combine Education, Experience, Skills, Knowledge, Travel into a Requirements section with sub-lists? But they said use- for any list of duties/requirements/benefits. It doesn't forbid nested lists? Probably better to have separate sections for each major category: Education, Experience, Skills, Knowledge, Travel. But that may be many thin sections. However they said prefer a few substantive sections over many thin ones. So we should combine into a Requirements section with subheadings? But we cannot use headings other than
. Could we use
for subheadings inside Requirements? That would be many sections. Better to have one Requirements section with paragraphs and lists. We can do:
Requirements
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
but we cannot use h4? Only h3 allowed for section headings. But we could use Skills: then- . That's acceptable.
Thus:
- 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 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.
Requirements
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:
Knowledge:
Travel: 1-10% travel.
That seems fine. Now Benefits section: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. For more information about benefits, download the comprehensive benefits summary.
Pay section:Pay
Pay Type: Salaried. Minimum Pay Range: $55,000.00. Maximum Pay Range: $65,000.00.
We could also mention that position may be eligible for annual bonus, commission, long-term incentive plan. That's substantive. Include that. Thus Pay section:Pay Type: Salaried. Minimum Pay Range: $55,000.00. Maximum Pay Range: $65,000.00. The position may also be eligible to receive an
- for any list of duties/requirements/benefits. It doesn't forbid nested lists? Probably better to have separate sections for each major category: Education, Experience, Skills, Knowledge, Travel. But that may be many thin sections. However they said prefer a few substantive sections over many thin ones. So we should combine into a Requirements section with subheadings? But we cannot use headings other than