Lead Credit Analyst

The Lead Credit Analyst will play a key role in recommending new credit and extensions of credit through gathering, research, and analysis of financial documents. They will determine the depth of risk and recommend a course of action.

Review and evaluate customers credit worthiness. Conduct thorough analysis of customer accounts to determine credit worthiness and ability to pay/repay. Establish credit limits.
• Existing customers: review credit limits for all active customers; determine areas of risk as well as opportunity for improved workflows. Submit recommendations based on analysis and follow through with next course of action.
• New or potential customers: review applications and new credit requests. Obtain business and/or personal credit reports from reporting agency(s). Accurately interpret credit scores, payment trends, risk profiles and credit worthiness. Submit recommendations based on analysis and follow through with next course of action.
• Conduct annual due diligence as it relates to credit reviews and business risk.
• Review credit limits, payment trends, account activity, and make the necessary adjustments.
• Ongoing reviews with Management to ensure proper credit controls are in place and align to business protocols.
• Ensure all customer credit documentation is current, organized and filed appropriately.
• Customer accounts are accurately notated.
• Cross functional collaboration with key BP's
• Submit credit reviews and recommendation to broader Team when applicable.
• Daily communication with Finance, Sales, Customer Service, and other BP's
• Daily review of AR order hold queue
• Review orders on hold and determine best course of action.
• Decrease and prevent AR order hold queue backlog.
• Advise and collaborate with Collections Team when orders cannot be released.
• Verify cause i.e., past due, credit limit, etc.
• May perform miscellaneous tasks/projects as directed

• BS Degree in Finance / Accounting or related field
• Minimum of 5+ year's experience in Finance/Credit Analysis
• Working knowledge of credit risk and analysis
• Familiarity navigating credit reporting websites, Experian, NACM a plus
• Proficiency with MS Word, Excel and Outlook

• Demonstrates a high degree of organization, attention to detail, and accuracy
• Strong interpersonal skills and ability to work collaboratively with others
• Demonstrates the ability to meet productivity goals and deadlines
• Ability to work well as part of a team
• Excellent written and verbal communication skills
• Self-motivated with a strong work ethic
• Commitment to outstanding customer service, including the ability to effectively research and resolve inquiries internally or externally

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