Credit Specialist - REMOTE

We need to output HTML fragment with sections only if real content. Use

for headings: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. We must not repeat job title. No Job ID. Remove boilerplate. Keep substantive info. We need to parse the job posting. Key sections: - Summary Job Description: description of role. Could be "About the role". We'll put that as

About the role

then

with description. - Essential Functions: list of duties. Use

• . - Additional Responsibilities: also duties. - EDUCATION: qualifications. - Experience: qualifications. - Skills: skills. - KNOWLEDGE: maybe part of Skills or Requirements. - LICENSES TRAVEL 1-10%: maybe not needed unless specific. Travel 1-10% could be schedule? Not exactly schedule. Could be under "Schedule" if they mention travel percentage. But schedule section only if posting actually states schedule. Travel 1-10% is not schedule but maybe we can put under "Schedule"? The instruction: include a section ONLY when posting has real, specific content for it — never emit heading followed by filler/placeholder text. Travel 1-10% is specific content. Could be considered under "Schedule" (travel). But schedule usually refers to work schedule (full-time, part-time, shift). Travel percentage maybe not schedule. Safer to not create Schedule section unless explicit schedule like "Full-time", "Monday-Friday". Not present. So omit Schedule. - Benefits Information: we have benefits details. So

  Benefits

  with
  • items. - Compensation Information: Pay range. So

    Pay

    with

    maybe. - Job Category: Credit & Collections maybe not needed. - Our Culture & Commitment: could be part of About the role? Might be separate but not a standard heading. Could be included in About the role paragraph. - Compensation Information includes bonus etc. - Benefits Information includes link. We must not include boilerplate like EEO, privacy policy, security notice, etc. We need to preserve all substantive info. So we need to include details from Essential Functions, Additional Responsibilities, Education, Experience, Skills, Knowledge, Licenses Travel, Benefits, Pay. We must not invent or summarize away detail. So we need to keep specifics like "Works with Rental, National Rental, and FMG sales group on credit requests on new customers and increased credit lines for existing customers" etc. We need to format as HTML fragment only. Let's extract content. From 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 Essential Functions 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 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% Job Category: Credit & Collections 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. 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. Compensation ranges for the position are below: 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 (https://ryder.icims.com/icims2/servlet/icims2?module=AppInert&action=download&id=4022345&hashed=256118533) to download the comprehensive benefits summary. We must remove links? The instruction: remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions. The benefits link might be considered application instruction? It's a link for more info about benefits. Might be considered navigation? Probably we should keep the benefit description but maybe drop the link as it's like "click here". The instruction says remove application instructions. The benefits link is not exactly application instruction but could be considered navigation. Safer to omit the link and just keep the description. Similarly, we should omit the privacy policy link, etc. We need to include all substantive info: benefits description includes medical, prescription, dental, vision, life insurance, disability, paid time off for vacation, illness, bereavement, family and parental leave, tax-advantaged 401(k). Keep that. Pay: Salaried, min $55k, max $65k, plus eligibility for annual bonus, commission, long-term incentive. We might also include that compensation may be influenced by factors etc. That's substantive. Now structure:

    About the role

    ... summary job description + maybe culture? We'll include summary job description and maybe culture as part of about the role. Better to separate culture? Not a standard heading. Could include in About the role. Thus About the role paragraph: combine summary job description and culture commitment. But we must not invent. We'll just put the summary job description as is. Then Responsibilities: combine Essential Functions and Additional Responsibilities as a list. Then Requirements: maybe Education and Experience combined? Or we could have Qualifications heading (Education + Experience). The instruction allows Qualifications heading. We'll use

    Qualifications

    and include education and experience as
    • . Then Skills:

      Skills

      with
      • . Then Knowledge maybe could be part of Skills but we can include under Skills or separate heading? There's no standard heading for Knowledge; we could include under Skills as additional bullet points. Or we could create a separate section "Knowledge" but not in allowed headings list. The allowed headings are: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. So we must fit knowledge into one of those, likely Skills or Qualifications. Since knowledge is about software proficiency, we can put under Skills. Thus Skills bullets will include both ability statements and knowledge of MS Office and credit software. Then Benefits:

        Benefits

        with
        • . Then Pay:

          Pay

          with

          describing salary range and bonus etc. We should not include Schedule. Now ensure we don't repeat job title. Not using. Now produce HTML. Let's craft. About the role paragraph: 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 might need to add spaces after periods. Keep as is. Responsibilities list: each essential function and additional responsibilities. 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 - Assist with Ad hoc tasks required within the department - Performs other duties as assigned Qualifications 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 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