Commercial Credit Analyst – Risk, Growth & Decisions

Ryder System, Inc.

Olympia (WA)

Remote

USD 55,000 - 65,000

Full time

10 days ago

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Job summary

Ryder System, Inc. is seeking a Rental Credit Specialist to analyze creditworthiness for Ryder's Rental, National Rental and FMG customers. You will provide value-added analysis, recommendations, and process improvements to support sales growth while mitigating risk.

Responsibilities include reviewing credit requests, evaluating customer financials, and determining appropriate credit lines. Collaborate with sales, collections, and operations, and ensure documentation is complete.

Qualifications

Bachelor's degree in business, finance or accounting or 3 years equivalent business work experience.
Two (2) years or more experience in commercial credit
Two (2) years or more experience in financial statement analysis preferred
Ability to analyze and interpret financial data. Ability to complete spreads, analyzing trends and assessing credit risks
Capable of multi-tasking, highly organized, with excellent time management skills. Manage work queues, e-mails, and calls from multiple sources (Sales, customers, collections, etc.)
Strong verbal and written communication skills. Communicate effectively with customers & Sales
Ability to create and maintain professional relationships within all levels of the organization (peers, work groups, customers, supervisors). Maintain professional demeanor in potentially high stress environment
Ability to work independently and as a member of a team. Work independently to render responsible credit decisions
Ability to assess a situation, seek multiple perspectives, gather more information if necessary, and identify key issues that need to be addressed. Creative ability to structure deals, minimizing risk and growing sales
Demonstrates excellent judgment and decision making skillsDetail oriented with excellent follow-up practices
Knowledge and skills in Microsoft Office products (Excel, Word, PowerPoint and Access); intermediate level.
Work with Credit software that include credit scoring systems such as Cortera or Equifax; intermediate level.

Responsibilities

Works with Rental, National Rental, and FMG sales group on credit requests on new customers and increased credit lines for existing customers
Assist Lease analyst in initial review of lease assignments handling preliminary credit review for assignee/assignor and obtaining Ryder documentation including TLSA, nfusion information and Ryder history
Reviews credit reports, Ryder and company history, and financial statements
Performs review on customer to determine any deterioration of their credit worthiness and re-evaluate the desired exposure, determining the proper credit line as well as an action plan to reduce our rentals if needed
Communicates to stop loss, collections, sales and operations on problem or high risk accounts by e-mail or conference calls to advise of potential loss
Verify all critical documentation & security is received from customer (ACH amendment, cash deposits, ILOC's, guarantees, etc.)
Assist daily with Credit Hold Mailbox reviewing emails to make sure proper information is given
Assist with Ad hoc tasks required within the department
Performs other duties as assigned
The compensation offered to a candidate may be influenced by a variety of factors, including the candidate’s relevant experience; education, including relevant degrees or certifications; work location; market data/ranges; internal equity; internal salary ranges; etc.