Credit Analyst

Kyocera Mita America; East Gwillimbury; On-site; CAD 60,000 - 100,000; Full time

Job summary

Join a forward-thinking company as a Credit Analyst, where you'll manage dealer accounts and ensure prompt order releases. This role offers the chance to influence industry change and work closely with a dedicated team. You'll analyze financial statements and negotiate payment plans, all while being part of a supportive environment that values your contributions. With a focus on customer service and operational efficiency, this position provides an exciting opportunity to grow your career in a company committed to doing what's right. If you're ready to make a meaningful impact, this is the role for you.

Benefits

Medical Insurance

Dental Insurance

Vision Insurance

401k Match

Flexible Spending

Disability Insurance

Life Insurance

Paid Time Off

Holidays

Qualifications

• 5+ years in Commercial Credit Management required.
• Strong interpersonal and negotiation skills are essential.
• Experience with major ERP systems is a significant plus.

Responsibilities

• Manage order releases for dealer accounts efficiently.
• Advise dealers on credit or collection issues.
• Perform financial ratio analysis for dealer accounts.

Skills

Commercial Credit Management

Interpersonal Skills

Negotiation Skills

Financial Analysis

Microsoft Excel

Microsoft Word

Education

Bachelor’s Degree in Business

Tools

ERP Systems (Oracle, SAP, JD Edwards)

Microsoft Office Suite

Job description

Overview

When you join Kyocera Document Solutions America, Inc. you are joining an organization that is deeply rooted in the Philosophy of “doing what is right as a human being”. Through this Philosophy, our employees are passionate about providing best in class customer service through efficiency, accountability and a sense of urgency all while putting knowledge to work to drive change.

In addition, we’re a Great Place to Work… and we really mean it! Kyocera Document Solutions America, Inc. was officially certified a Great Place to Work since 2021. An organization earns this distinction when its employees have expressed their trust the people they work for, have pride in what they do and enjoy the people they work with.

As a Credit Analyst, you will handle at least 80 to 100 dealer accounts, in aggregate, for both regions. On a daily basis, you will manage the order releases for all dealer orders on their regional order Queue. You will ensure that all orders for creditworthy accounts are promptly released and advise the dealers of any credit or collection issue. You will also need to secure approvals from the Third-Party companies for inventory finance orders and review all documentation for split funding orders.

The chance to do something meaningful, to challenge yourself, to be a part of change in an industry, to influence change doesn’t come around every day.

Responsibilities

• Manage the order releases for all dealer orders on their assigned order queue.
• Ensure that all conforming orders for creditworthy accounts are promptly released.
• Advise dealers of any credit or collection issues and the requirements for resolution.
• Secure approvals from third-party finance companies for inventory finance orders.
• Review all documentation for lease split funding orders.
• Monitor the accounts that are delinquent by regularly reviewing the aging information.
• Initiate collection efforts by phone or email to secure payment.
• When discrepancies arise, assist the dealers in resolving the identified issues.
• Work with Customer Service, Sales administration, and Regional Sales staff in an advocacy role.
• Coordinate with Accounts Receivable staff to ensure prompt and correct cash applications, account reconciliation, and invoice payment variances.
• Continuously review CWO reports, at least daily, to ensure CWO invoices are paid within policy. Continuously review third-party unpaid reports, at least daily, to ensure these invoices are paid within 30 days of the invoice date.
• Effectively negotiate payment plans with dealers and act to ensure adherence to the plans.
• Prepare legal referrals for past-due accounts as needed.
• Ensure that updated dealer financial statements are received in a timely manner and reviewed on as annual basis, or more frequently as needed.
• Assist the National Credit Manager by analyzing all types of customer financial statements including compilations, reviews, audits, tax filings, etc.
• Perform financial ratio analysis on the balance sheets income statements and statements of cash flow to measure the financial condition of the dealer base through liquidity, solvency, efficiency, and cash flow statement analysis.
• After completion of analysis, prepare a formal written credit narrative explaining the risk profile and then make quantitative recommendations to the National Credit Manager.
• Cross train with other regional credit analysts regarding areas of responsibilities.
• Provide monthly reports to Corporate Credit Management such as: regional delinquency performance, daily sales Outstanding (DSO), and past due analysis.

Qualifications

Required:

• Bachelor’s degree in a business-related field.
• Five or more years’ experience in Commercial Credit Management.
• Possess strong interpersonal and negotiation skills.
• Industry experience is a significant plus.
• Experience with a major ERP (Oracle, SAP, JD Edwards, etc.)
• Proficient with Microsoft Office Suite, particularly Excel and Word.
• Must be a strong team player.
• Must be able to work overtime particularly during the end of the month.

Note

This is a general description of the duties and responsibilities most frequently required of this position. The company may from time to time request that the incumbent perform other related tasks and assume reasonable responsibilities that have not been specifically included in this description.

Kyocera Document Solutions America, Inc is a group company of Kyocera Document Solutions Inc., a global leading provider of total document solutions based in Osaka, Japan. The company’s portfolio includes reliable and eco-friendly MFPs and printers, as well as business applications and consultative services which enable customers to optimize and manage their document workflow, reaching new heights of efficiency. With professional expertise and a culture of empathetic partnership, the objective of the company is to help organizations put knowledge to work to drive change. Kyocera is looking for enthusiastic and innovative people to help our customers run their businesses more efficiently and more profitably. We offer a generous benefits package including medical, dental and vision plans, a 401k match, flexible spending, disability and life insurance, plus paid time off and holidays.

KYOCERA Document Solutions America, Inc. is an Equal Opportunity Employer, a VEVRRA Federal Contractor, and complies with all applicable federal, state, and local laws regarding nondiscrimination. Kyocera provides equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, national origin, age, disability, or protected veteran status. Qualified minorities, women, protected veterans and/or individuals with disabilities are encouraged to apply.