Divisional Credit Manager

Responsibilities

• Partner with International Commercial Credit Manager to manage the Division’s portfolio of new and existing customers.
• Support and help grow the $650MM sales portfolio.
• Partners with sales to support annual sales growth while scrutinizing financial data and analyzing/assessing risk exposures to minimize the risk of loss arising from failure of customers to repay their line of credit.
• Provide coaching to the various functions within the field and recommendations on new business processes to improve efficiencies.
• Manage divisional portfolio through KPI sales reports, identifying opportunities, and implementing best practices.
• Establish $50k line of credit for small, regional, and large automotive repair/service concerns.
• Gather information from Credit functions and cascade it to the appropriate field teams.

Requirements

• Effective leader with results-driven approach and excellent communication skills.
• Strong business acumen, decision-making skills, and self-starter with the ability to inspire and motivate teams.
• Ability to excel in a fast-paced, multi-tasking environment.
• Review and provide recommendations from key performance indicators (KPIs) which include financial, sales, and activity reports.
• Perform financial analysis, identify risk, and interpret data for management's use in rendering sound credit decisions.
• Prepare written financial analysis and oral training presentations that support sound credit recommendations consistent with the credit profile of the business.
• Develop, design, and make recommendations on new business processes to optimize operational efficiency and customer service.
• Conduct research to determine best practices throughout the industry to be used as a benchmark to success.
• Direct, manage, organize projects and work with other functional groups to ensure successful completion and implementation.
• Serve as lead for some strategic cross-functional projects.

Qualifications

• A minimum of 3-6 years in financial/credit analysis in a customer facing operation.
• Strong analytical, organizational, and communication skills.
• Bachelor's degree in Business Management, Accounting, Finance, Banking, or equivalent experience.
• Strong understanding of B2B Commercial Credit and the establishment of lines of credit.
• Ability to work effectively with all functional levels within AutoZone.
• Detail-oriented and able to independently manage complex tasks within a tight time-frame.

Skills

• Financial analysis and risk assessment.
• Business acumen and decision-making.
• Communication and leadership skills.
• Project management and team organization.
• Research and benchmarking.

Benefits

• Opportunities for career advancement and development.
• Competitive salary and benefits package.
• Flexible work schedule and travel requirements.

Pay

• Salary range: $80,000 - $120,000 annually.

Schedule

• 40 hours per week, 35% travel with frequent overnight stays.