Senior Credit Analyst

About NCR VOYIX

NCR VOYIX Corporation (NYSE: VYX) is a leading global provider of digital commerce solutions for the retail, restaurant and banking industries. NCR VOYIX is headquartered in Atlanta, Georgia, with approximately 16,000 employees in 35 countries across the globe. For nearly 140 years, we have been the global leader in consumer transaction technologies, turning everyday consumer interactions into meaningful moments. Today, NCR VOYIX transforms the stores, restaurants and digital banking experiences with cloud-based, platform-led SaaS and services capabilities.

Not only are we the leader in the market segments we serve and the technology we deliver, but we create exceptional consumer experiences in partnership with the world’s leading retailers, restaurants and financial institutions. We leverage our expertise, R&D capabilities and unique platform to help navigate, simplify and run our customers’ technology systems.

Our customers are at the center of everything we do. Our mission is to enable stores, restaurants and financial institutions to exceed their goals – from customer satisfaction to revenue growth, to operational excellence, to reduced costs and profit growth. Our solutions empower our customers to succeed in today’s competitive landscape. 

Our unique perspective brings innovative, industry-leading tech to all the moving parts of business across industries. NCR VOYIX has earned the trust of businesses large and small — from the best-known brands around the world to your local favorite around the corner.

Title: Senior Credit Analyst

Location: Irving, TX

The Senior Credit Analyst plays a crucial role in evaluating new credit applications, new order releases, establishing appropriate customer credit limits, and managing ongoing credit risk for NCRV’s Global Credit Risk Group. The position reports directly to the Executive Director of Global Credit Services and holds a position of higher credit authority, esteem, and team leadership within the group.  In this position, you will be challenged by a fast-paced environment with the goal of reducing losses by using your credit risk and analytical experience. Additionally, you are often in charge of direct communications with customers at the C-Suite level, so your communication and interpersonal skills are crucial to success. 

This position will involve providing upper management with reporting, financial statement analysis, reading and analyzing D&B and personal credit reports, investigation of underlying collections issues, and sometimes assisting in resolutions of cash flow problems through a repayment plan.  Your job as a Senior Credit Analyst will require a high degree of problem-solving skills, even in dealing with customer bankruptcies. 

Key Areas of Responsibility:

• Credit Assessment: Evaluate the creditworthiness of individuals and businesses by analyzing corporate financial statements, credit reports, and market conditions throughout the world.
  • Provide independent review and decision within allotted credit authority limits.
  • Perform KYC and AML due diligence in accordance with governmental regulations.
• Risk Management: Monitor and manage ongoing credit risk, ensuring compliance with credit policy and regulations. Perform due diligence and periodic reviews on existing clients (Large Corporates). 
• Financial Analysis: Conduct in-depth financial analysis of public and private financial data, market trends, and microeconomic conditions.
• New Account Underwriting: Underwrite new and ongoing credit limit requests, including repayment plans, and provide decisions and/or recommendations based on those risk assessments.
• Stakeholder Collaboration: Work closely with internal and external stakeholders, including Sales Leaders and clients, to communicate credit policies and risk assessments.
• Providing risk control assessments through individual testing/sampling of work performed by peers and Junior Analysts to ensure compliance to Credit Policy. 
• Contribute to improving processes throughout the Global Credit Services team.
• Assist with training and ongoing support of Junior Analysts on the team – mentor to those with less experience to bui