Senior Credit Analyst

Why This Job

CMC provides an excellent opportunity to learn the steel, construction reinforcement and ground stabilization industries and to grow in your career. Whether you will spend your day brainstorming in an office cubicle, operating a crane, running manufacturing equipment or troubleshooting technical obstacles, at CMC, you’ll get the training and support from your team that you need to excel in your role and reach your full potential.

What You'll Do

• Assess credit limits for new and existing customers and jobs, producing recommendations after thorough analysis of a variety of factors
• Analyze customers' financial information, including income statements, cash flow history, current debt, balance sheets and credit reports
• Responsible for providing assessment of profitability of default by a customer and determining risk of extending secure and unsecure credit
• Function as a coach to less experienced team members on transactions and accounts
• Research public records, such as county register’s databases, Secretary of State Database, and assessors database, for corporate and UCC filings
• On construction projects, ensure CMC is in position to be secured via lien or bond
• Interface with internal and external customers regarding changes in credit eligibility and limits
• Maintain and improve compliance with the Credit and Collection policy to ensure systematic follow-up and review as per standards
• Develop and maintain relations with key internal and external customers and other principal industry suppliers
• Miscellaneous projects as requested

What You'll Need

• 7+ years of credit review and approval experience in construction or manufacturing environment
• Knowledge of construction mechanic lien and bonds
• Extensive experience in analyzing financial statements
• Extensive experience interpreting Consumer and Commercial Credit reports
• Strong computer skills including excel/word/Microsoft office with experience managing credit in SAP or other related ERP system
• Ability to work independently and with a team, detail oriented, interpersonal and negotiation skills and customer relations abilities
• Strong analytical and statistical skills
• Strong written and verbal communication skills, including telephone skills to relate to multiple stakeholders
• Available for travel up to 10% of the time

Your Education

• Bachelor's degree in Finance, Accounting, Business Administration or related field
• High School Diploma or GED required