Commercial Credit Risk Analyst

Ryder System, Inc.; Tallahassee (FL); Remote; USD 55,000 - 65,000; Full time

Benefits offered by this job

Health benefits

401(k) plan

Paid time off

Job summary

Ryder System, Inc. in the United States seeks a Rental Credit Specialist to analyze creditworthiness for Rental, National Rental and FMG customers. You will review financial statements, assess risk, and recommend credit lines and action plans to protect sales while mitigating risk.

You will collaborate with sales, collections, and operations, manage documentation, and communicate decisions. A Bachelor’s degree and 2+ years in commercial credit are preferred; solid Excel and credit software

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.
• Knowledge of Excel, Word, PowerPoint and Access; 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.

Skills

Credit analysis

Financial statement analysis

Communication skills

Time management

Education

Bachelor's degree in business, finance or accounting

Tools

Cortera

Equifax

Job description

Ryder System, Inc. in the United States seeks a Rental Credit Specialist to analyze creditworthiness for Rental, National Rental and FMG customers. You will review financial statements, assess risk, and recommend credit lines and action plans to protect sales while mitigating risk.

You will collaborate with sales, collections, and operations, manage documentation, and communicate decisions. A Bachelor’s degree and 2+ years in commercial credit are preferred; solid Excel and credit software