Senior Credit Analyst

Location(s):

United States of America

City/Cities:

Atlanta

Travel Required:

Relocation Provided:

Job Posting End Date:

June 19, 2024

Shift:

Job Description Summary:

Position Overview:
The key responsibility of the Senior Credit Analyst is ensuring that customer credit risk is properly evaluated and monitored.  The Senior Credit Analyst uses trade and financial information along with analytical models to assign and monitor credit limits and level of risk used to manage specific customer accounts, portfolios and/or categories.   The Senior Credit Analyst is also a key resource to aid our sales account teams and leaders in assessing and identifying trends, risks, and mitigation potential.

Function Related Activities/Key Responsibilities:

• Utilize and interpret credit reports, financial statements, public financial information, etc. to determine appropriate credit limits for new and existing customers in assigned portfolios.  Prepare executive review with limit recommendation.
• Routinely review and update credit limits in accordance with Company Credit Policy or as needed to support customer purchases.  Monitor industry data and payment trends, public news releases, trade information.
• Monitor risk and make recommendations regarding risk reduction strategies.  Partner with internal clients (sales, AR, finance) to keep them appraised of risk and/or changing trends for customers or segments.
• Conduct credit risk assessments of current (renewals) and prospective customers as requested by Sales/Zone Finance.
• Serve as a subject matter expert (SME) for AR Sr. Directors, Managed Service Provider (MSP) and Collectors as it relates to strategies to manage high risk accounts.
• Coordinate customer bankruptcy management including the tracking of active cases from filing, through the various stages of the filing, to confirmation of a plan of reorganization and release from bankruptcy. 
  • Tracking and management of key filing deadlines and other case requirements. 
  • Support required internal analysis including preferential payment analysis, the assessment of Agency claim risk, and 20-day shipment period analysis.  
  • Conduct (court) docket research for ongoing bankruptcy cases to provide internal updates on case status, status of TCCC’s agreement, location’s closed, etc. 
  • File Proof of Claim where exposure is material (consolidating open AR and contractual exposures). 
  • Participate in Unsecured Creditor Committees.
• SAP SME for Credit Module functionality.  Work with the project team to identify requirements and functionality needed for new  implementation.  Lead UAT testing and preparation of SOPs and training documents.
• Identify and implement automation as needed (credit hold logic and decisioning for each portfolio, forecasting of credit limits based on purchasing trends, etc.).
• Lead in training and overseeing MSP in management of assigned credit activities.
• Review and modify credit scoring models to adjust to business and economic needs.
• D&B system enhancements, maintenance and administrative support.
• Key contact for coordination with external credit reporting agencies.
• Review/troubleshoot issues with industry trade tape.   Coordinate responses for benchmarking surveys for industry credit groups.
• Special projects as needed or as specific to portfolio supported.

Education Requirements:

• Bachelor’s degree in Finance, Accounting or related discipline.  MBA a plus.

Related Work Experience:

• 5 years industry (foodservice or distribution preferred) with credit analysis exposure and/or experience
• Strong technical aptitude, excellent communication skills, and attention to detail required.
• Must be resourceful, self-motivated, organized.  Able to work independently and as part of a team
• Work involves confidential and/or sensitive information.  Discretion is essential.

Functional Skills:

• Experience / exposure with SAP
• Foodservice / Distribution / Retail sector experience
• Financial Analysis
• Excellent interpersonal and customer service skills
• Strong written and verbal communication
• Excellent organizational, problem solving and analytical skills
• Proficient in PC Skills, including intermediate or higher skills in Microsoft Excel, Access and Power BI

Skills:

Agile Methodology, Business Intelligence (BI) Analysis, Communication, Data Modeling, Financial Forecasting, Generally Accepted Accounting Principles (GAAP), Group Problem Solving, Influencing, Leadership, Microsoft Office, Project Management, Scorecards (Inactive), Strategy Development

Pay Range:

$105,000