Credit Specialist - REMOTE
Ryder System, Inc. · Raleigh, NC · 3 wk ago
Finance$55k/yrFull-time
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 etc. Remove boilerplate.
We need to extract substantive info: 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: 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 not needed as heading? Could be part of Requirements? Not a 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. So we have Pay section.
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 we should drop 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 to download benefits summary. Might be considered part of benefits info; but it's a link. The instruction says remove application instructions. This is not exactly application instruction but a link to benefits summary. Might be okay to keep? Safer to drop the link as it's like a reference. But we need to preserve substantive information; the link is not substantive. So we can omit the link.
We also have "Our Culture & Commitment" paragraph: 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. This is substantive but not under a specific heading. Could be placed under About the role? The About the role heading could contain summary job description and culture. We'll create About the role section with summary job description and culture.
Responsibilities: essential functions + additional responsibilities.
Requirements: maybe education and experience? Could combine.
Qualifications: maybe skills? But we have Skills heading separate. The instruction: Use headings for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). So we need to decide which sections to include based on content.
We have content for About the role (summary + culture). Responsibilities (essential functions + additional). Requirements (education + experience). Qualifications maybe not needed if we have Skills separate; but we could put knowledge under Qualifications? However we have Knowledge separate; but we could put Knowledge under Qualifications or Skills. The instruction says prefer a few substantive sections over many thin ones. So we could combine Knowledge and Skills into Skills section, or have Qualifications for education/experience and Skills for abilities. Let's think.
We have Education, Experience, Skills, Knowledge. Could make Requirements include Education and Experience. Qualifications could include Skills and Knowledge. But we also have separate Skills heading in the list. The instruction says use those headings if we have content. We could have:
- About the role
- Responsibilities
- Requirements (Education + Experience)
- Skills (Abilities + Knowledge)
- Benefits
- Pay
Schedule: not provided, so omit.
We should not create empty sections.
Now format: Use
for headings: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. We must not repeat job title. No Job ID etc. Remove boilerplate.
We need to extract substantive info: 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: 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 not needed as heading? Could be part of Requirements? Not a 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. So we have Pay section.
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 we should drop 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 to download benefits summary. Might be considered part of benefits info; but it's a link. The instruction says remove application instructions. This is not exactly application instruction but a link to benefits summary. Might be okay to keep? Safer to drop the link as it's like a reference. But we need to preserve substantive information; the link is not substantive. So we can omit the link.
We also have "Our Culture & Commitment" paragraph: 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. This is substantive but not under a specific heading. Could be placed under About the role? The About the role heading could contain summary job description and culture. We'll create About the role section with summary job description and culture.
Responsibilities: essential functions + additional responsibilities.
Requirements: maybe education and experience? Could combine.
Qualifications: maybe skills? But we have Skills heading separate. The instruction: Use headings for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). So we need to decide which sections to include based on content.
We have content for About the role (summary + culture). Responsibilities (essential functions + additional). Requirements (education + experience). Qualifications maybe not needed if we have Skills separate; but we could put knowledge under Qualifications? However we have Knowledge separate; but we could put Knowledge under Qualifications or Skills. The instruction says prefer a few substantive sections over many thin ones. So we could combine Knowledge and Skills into Skills section, or have Qualifications for education/experience and Skills for abilities. Let's think.
We have Education, Experience, Skills, Knowledge. Could make Requirements include Education and Experience. Qualifications could include Skills and Knowledge. But we also have separate Skills heading in the list. The instruction says use those headings if we have content. We could have:
- About the role
- Responsibilities
- Requirements (Education + Experience)
- Skills (Abilities + Knowledge)
- Benefits
- Pay
Schedule: not provided, so omit.
We should not create empty sections.
Now format: Use for each heading. Then content: use
for prose,
- for lists.
We need to preserve all substantive information, not invent or summarize away detail. So we need to keep details like specific systems (TLSA, nfusion), etc.
Let's craft.
About the role: combine summary job description and culture paragraph.
Summary: "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."
Culture: "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."
We can put both in
tags maybe separate paragraphs. Responsibilities: list essential functions and additional responsibilities as bullet points. Essential Functions list items (7). Additional Responsibilities: two items. We'll combine all into one
- .
Requirements: Education and Experience.
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 can put as
- 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
- 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 Cor
or
- . Probably
sentences. Skills: include abilities list and knowledge. Abilities list: many bullet points. Knowledge: Microsoft Office intermediate; Credit software intermediate. We'll combine into one
- maybe.
Benefits: paragraph describing benefits.
Pay: paragraph with pay type, min, max, plus mention of annual bonus, commission, long-term incentive plan.
Now ensure we don't include boilerplate like EEO, privacy policy, etc.
Let's craft HTML.
We need to output only HTML fragment, no /, no markdown fences.
Let's produce:
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. 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.
Responsibilities
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.
Skills