Analyst, Credit Risk

Home Depot; Atlanta (GA); Hybride; USD 65 000 - 82 000; Plein temps

Résumé du poste

Home Depot seeks an Analyst, Trade Credit Services to manage commercial credit for the Pro Trade Credit program, including credit line management, receivables, disputes resolution, and sound analytical problem solving to meet service levels and financial goals.

The role collaborates with sales and leadership; strong MS Office skills and excellent communication are required. Prior credit underwriting or risk experience is preferred but not mandatory; travel is minimal.

Qualifications

• Must have a bachelor’s degree or equivalent.
• Strong written and verbal communication skills.
• Experience in credit, risk, or collections is preferred but not required.

Responsabilités

• Collections and disputes management with accurate status records.
• Direct communication with customers and internal teams on credit matters.
• Meet operational goals and drive results as part of a team.
• Underwrite credit for commercial customers and manage receivables to mitigate losses.

Connaissances

MS Office Suite

Analytical skills

Customer service

Independent worker

Communication

Formation

Bachelor's degree

Outils

Microsoft Office Suite

Description du poste

Position Purpose:

The Analyst, Trade Credit Services position is responsible for processes associated with managing and servicing commercial credit customers associated with the Pro Trade Credit program. Managing and establishing credit lines, providing sound receivables management & customer service, and supporting payments & disputes resolution activities are critical to success in this role. The ability to analyze and solve problems associated with information related to customer, sales, and organizational needs is necessary to ensure accurate service levels are met while simultaneously meeting the financial goals of the organization.

Key Responsibilities:

• 25% - Collections and Disputes Management - Develop and maintain accurate collection status records for all accounts. Recommend when accounts should be placed with outside agencies or attorneys for collection. Resolve customer discrepancies and/or disputes and effect collection of delinquent accounts. Recommend plans of action to resolve collection accounts and ensure timely & accurate processing of payments.

• 25% - Customer Service - Directly communicate with customers and internal sales associates or leadership related to credit & collection matters verbally and in writing.

• 25% - Drives Results - Ability to meet outlined operational goals and objectives associated with the role, and as part of an overall team.

• 25% - Manage Credit - Ability to perform judgmental underwriting for commercial customers credit needs in a timely, secure, sound, and consistent ability. Manage receivables & mitigate potential losses through sound credit management strategies & execution.

Direct Manager/Direct Reports:

• This Position typically reports to the Area Supervisor Trade Credit Services

• This Position has up to 0 Direct Reports

Travel Requirements:

• Typically requires overnight travel less than 5% of the time.

Physical Requirements:

• Most of the time is spent sitting in a comfortable position and there is frequent opportunity to move about. On rare occasions, there may be a need to move or lift light articles.

Working Conditions:

• Located in a comfortable indoor area. Any unpleasant conditions would be infrequent and not objectionable.

Minimum Qualifications:

• Must be 18 years of age or older
• Must be legally permitted to work in the United States

Preferred Qualifications:

• Working knowledge of Microsoft Office Suite
• Excellent written and verbal communication skills
• Consumer & Commercial Credit underwriting experience strongly preferred, but not required.
• Experience in Credit Risk Management or related field.
• Strong analytical skills with experience transforming data into actionable information.
• Exhibited ability to work independently.
• General knowledge of retail business, financial services industry, economy, and business trends.
• Manage and respond to requests for credit, processing applications using financial documents to analyze credit.
• Ensures adherence to Credit policy, guidelines, and regulatory requirements.
• Very strong communication skills, both verbal and written. Sound decision‑making skills.
• Customer service and collections soft skills.
• Able to strategically analyze business problems and opportunities. Exhibited ability to work independently.

Minimum Education:

• The knowledge, skills and abilities typically acquired through the completion of a bachelor's degree program or equivalent degree in a field of study related to the job.

Preferred Education:

• The knowledge, skills and abilities typically acquired through the completion of a bachelor's degree program or equivalent degree in a field of study related to the job.

Minimum Years of Work Experience:

• 1

Preferred Years of Work Experience:

• 1

Minimum Leadership Experience:

• No previous leadership experience

Preferred Leadership Experience:

• No previous leadership experience

Certifications:

• None

Competencies:

• Action Oriented
• Collaborates
• Drives Engagement
• Communicates Effectively
• Customer Focus
• Drives Results
• Manages Conflict

We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity, status as a veteran, and basis of disability or any other federal, state or local protected class. - $0.00 - $0.00