Credit Specialist - REMOTE
for each section heading. Use - for any list of duties/requirements/benefits. Use
for prose.
We need to preserve all substantive information, not invent. Remove boilerplate: privacy policy links, EEO, etc. Also remove duplicated lines. Remove application instructions etc. Remove "Job Seekers can review the Job Applicant Privacy Policy by clicking here". Remove "Our Culture & Commitment" maybe? It's not a required heading but could be considered "About the role"? Might be considered fluff but it's substantive? It's about culture; but we can include as part of About the role? The instruction: include a section only when posting has real, specific content for it. The culture paragraph is generic but still content. However we might decide to omit because it's not a standard heading like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. The instruction says use those headings for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). It doesn't forbid other headings but suggests using those. Probably we should map content to those headings. Culture could go under About the role? Might be okay to include as a paragraph under About the role.
We need to not include placeholders like "commensurate with experience". Not present.
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 under Schedule? Not exactly schedule; it's travel percentage. Could be under Schedule? But schedule heading is for work schedule; not present. Travel is not schedule. Could be omitted or put under About the role? Probably omit as not requested heading.
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 based on level/type. We should include 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. Also link to download benefits summary (but that's application instruction? It's a link to benefits summary; maybe we keep as part of benefits section but it's a link; could be considered boilerplate? It's a link to benefits summary; not exactly application instruction. Might keep as part of benefits section but it's a link; but instruction says remove application instructions. This is not application instruction; it's a benefits link. Could keep but maybe safer to omit link? The instruction: "Remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions." The benefits link is not application instruction; it's a link to benefits summary. Might be okay to keep as part of benefits section. However it's a URL; we could keep as plain text.
We must not include duplicated lines. Ensure we don't repeat.
Now structure:
About the role
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.
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 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
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.
Pay
Pay Type: Salaried. Minimum Pay Range: $55,000.00. Maximum Pay Range: $65,000.00. 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
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 should not include any other headings like Qualifications. Could combine Skills and Knowledge under Requirements but we already have separate. The instruction: Prefer a few substantive sections over many thin ones. We have many sections; maybe we could combine Skills and Knowledge into Requirements or Skills. But we have Education, Experience, Skills, Knowledge. Could combine Education+Experience+Skills+Knowledge into a single Requirements section with lists. However the instruction says use headings like Requirements, Qualifications, Skills, Benefits, Pay, Schedule. It's okay to have multiple. But "Prefer a few substantive sections over many thin ones." We have 8 sections; maybe too many. Could merge: About the role, Responsibilities, Requirements (including Education, Experience, Skills, Knowledge), Pay, Benefits. That's 5 sections. Let's do that.
Thus:
About the role
... summary ...
Responsibilities
...
Requirements
Education: Bachelor's degree in business, finance or accounting or
for prose. We need to preserve all substantive information, not invent. Remove boilerplate: privacy policy links, EEO, etc. Also remove duplicated lines. Remove application instructions etc. Remove "Job Seekers can review the Job Applicant Privacy Policy by clicking here". Remove "Our Culture & Commitment" maybe? It's not a required heading but could be considered "About the role"? Might be considered fluff but it's substantive? It's about culture; but we can include as part of About the role? The instruction: include a section only when posting has real, specific content for it. The culture paragraph is generic but still content. However we might decide to omit because it's not a standard heading like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. The instruction says use those headings for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). It doesn't forbid other headings but suggests using those. Probably we should map content to those headings. Culture could go under About the role? Might be okay to include as a paragraph under About the role. We need to not include placeholders like "commensurate with experience". Not present. 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 under Schedule? Not exactly schedule; it's travel percentage. Could be under Schedule? But schedule heading is for work schedule; not present. Travel is not schedule. Could be omitted or put under About the role? Probably omit as not requested heading. 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 based on level/type. We should include 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. Also link to download benefits summary (but that's application instruction? It's a link to benefits summary; maybe we keep as part of benefits section but it's a link; could be considered boilerplate? It's a link to benefits summary; not exactly application instruction. Might keep as part of benefits section but it's a link; but instruction says remove application instructions. This is not application instruction; it's a benefits link. Could keep but maybe safer to omit link? The instruction: "Remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions." The benefits link is not application instruction; it's a link to benefits summary. Might be okay to keep as part of benefits section. However it's a URL; we could keep as plain text. We must not include duplicated lines. Ensure we don't repeat. Now structure:
About the role
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.
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 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
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.
Pay
Pay Type: Salaried. Minimum Pay Range: $55,000.00. Maximum Pay Range: $65,000.00. 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
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 should not include any other headings like Qualifications. Could combine Skills and Knowledge under Requirements but we already have separate. The instruction: Prefer a few substantive sections over many thin ones. We have many sections; maybe we could combine Skills and Knowledge into Requirements or Skills. But we have Education, Experience, Skills, Knowledge. Could combine Education+Experience+Skills+Knowledge into a single Requirements section with lists. However the instruction says use headings like Requirements, Qualifications, Skills, Benefits, Pay, Schedule. It's okay to have multiple. But "Prefer a few substantive sections over many thin ones." We have 8 sections; maybe too many. Could merge: About the role, Responsibilities, Requirements (including Education, Experience, Skills, Knowledge), Pay, Benefits. That's 5 sections. Let's do that. Thus:About the role
... summary ...
Responsibilities
- ...
Requirements
Education: Bachelor's degree in business, finance or accounting or