Senior Credit Analyst

Responsibilities

• Approving or declining new commercial credit limits up to assigned authority.
• Making credit recommendations for senior management regarding credit extensions.
• Analyzing applicant financial status and credit for feasibility of commercial credit approval.
• Verifying agreements for accuracy and completeness according to policies.
• Communicating with the applicant’s management team regarding financial performance.
• Collaborating with sales teams to find credit alternatives that balance gaining new business while minimizing risk.
• Reviewing existing accounts for credit extensions on new products, including identifying high-risk accounts.
• Interviewing CFOs and CEOs to assess their financial standing and make well-informed decisions.
• Delivering negative decisions respectfully and providing clear explanations.
• Maintaining accurate reviews and reports of unsecured credit accounts on a regular basis (annual, semi-annual, or quarterly).
• Assisting Credit and Collections Managers with problem accounts.
• Making recommendations to senior management regarding high-risk accounts.
• Handling complex unsecured credit requests independently.

Qualifications & Skills

• Bachelor’s Degree in Finance or a related field such as Accounting or Business.
• 3 years of Credit Analyst experience in a B2B sales environment.
• Strong knowledge of commercial credit principles and financial statement analysis.
• Ability to project trends based on customer history and industry outlook.
• Strong organizational, communication, and negotiation skills.
• Attention to detail and ability to manage multiple assignments.
• Ability to work in a fast-paced environment with composure and accuracy.
• Strong customer service skills with the ability to resolve issues quickly.
• Skilled in Microsoft Word, Excel, and PowerPoint.
• Experience in customer negotiations and payment plan creation.

Benefits & Perks

• Medical, Dental, & Vision benefits available from the 1st month after hire.
• 401k plan (subject to eligibility requirements).
• Monthly home internet stipend (for remote employees).
• Robust PTO offerings including major holidays, vacation, sick, personal, and volunteer time.
• Employee discounts with major providers (i.e., wireless, gym, car rental, etc.).