Senior Credit Analyst, Financial Services

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Financial Services Senior Credit Analyst
Position Summary
The Senior Credit Analyst is responsible for the quantitative and qualitative analysis of applicant requests for a line of credit. The Senior Credit Analyst will assess collateral values, credit risk, and prepare and deliver written credit approval or denial correspondence. The Senior Credit Analyst will develop models of credit information to predict patterns and trends using our ERP system (SAP), credit scoring model, business object reporting and Excel. The Sr. Credit Analyst will manage and maintain third party collections process, bankruptcy process, and escheat process in conjunction with the Financial Services Director, Financial Services Collection Manager, and the Finance team.
The Senior Credit Analyst will train new credit team members, perform systemic customer master updates on new and existing accounts and maintain credit data integrity. The Senior Credit Analysts regularly interacts with FFF Enterprises’ Financial Services, Finance, Sales, Sales Operations, and Customer Service teams along with our customers, while providing WOW Customer Service.
Essential Functions and Duties
• Analyze customer’s financial condition (credit data and financial statements) authorizing customer credit lines =< $1.5MM minimizing bad debt risk, maximizing accounts receivable collections.
• Analyze customer’s financial condition (credit data and financial statements) obtaining Financial Services Director authorization on customer credit lines in excess of $1.5MM but =< $2.5MMM.
• Analyze customer’s financial condition (credit data and financial statements) obtaining Controller authorization on customer credit lines in excess of $2.5 MM but =< $5MM.
• Analyze customer’s financial condition (credit data and financial statements) obtaining CFO authorization on customer credit lines in excess of $5MM.
• Develop models of credit information to predict patterns and trends on current customer base utilizing performance tools (SAP/D&B) to assess customers’ financial status and mitigate risk.
• Monitor and maintain SAP functionality as it pertains to the Credit Department to ensure an efficient and effective tool to assist the team in their daily responsibilities.
• Perform Customer Master audits and updates in SAP including maintaining business partner data input including but not limited to coordinator account assignment, credit limit, risk class, credit block, ZGR6, and payment terms.
• Manage and maintain bankruptcy process including but not limited to current and historical reporting, invoice management, payment management, and batch creation for cash applications, fees, and recovery, as required.
• Manage and maintain third party collection process including but not limited to current and historical reporting, invoice management, payment management, and batch creation for cash applications, fees, and recovery, as required.
• Manage and maintain Escheat process in conjunction with Financial Services Director, Financial Services Collection Manager and Finance team including but not limited to current and historical reporting, payment/credit memo management, and batch creation for cash application, fees, and recovery, as required.
• Manage and maintain weekly reporting for third party collection activities, bankruptcies, escheat, management accounts, and credit watch.
• Support all internal and external financial audit activities associated with accounts receivables, ensuring all data requested is accurate and provided promptly, as requested by the Finance team.
• Engages and works with FFF Sales Representatives in negotiation of customer payments and credit limits. Research and resolve customer and/or internal inquiries or disputes, as it relates to the extension of credit.
• Adheres specifically to all company policies and procedures, Federal and State regulations, and laws.
• Display dedication to position responsibilities and achieve assigned goals and objectives.
• Must always represent the Company in a professional manner and appearance.
• Understand and internalize the Company’s purpose, display loyalty to the Company and its organizational values.
• Display enthusiasm and dedication to learning how to be more effective on the job and share knowledge with others.
• Work effectively with co-workers, internal and external customers and others by sharing ideas in a constructive and positive manner; listen to and objectively consider ideas and suggestions from others; keep commitments; keep others informed of work progress, timetables, and issues; address problems and issues constructively to find mutually acceptable and practical business solutions; address others by