Credit Analyst – Commercial Rentals & Risk

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

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

401(k) retirement plan

Job summary

Ryder is seeking a Rental Credit Specialist to analyze credit worthiness for Ryder's Rental, National Rental and FMG customers and provide recommendations to mitigate risk while supporting sales growth.

The role involves reviewing credit reports, financial statements, and documentation, determining appropriate credit lines, and coordinating with sales, collections, and operations. Requires 2+ years in commercial credit and strong financial analysis skills.

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

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.

Skills

Credit analysis

Financial statement analysis

Communication

Multitasking

Time management

Relationship building

Education

Bachelor's degree in business, finance or accounting

3 years equivalent business work experience

Tools

Microsoft Office

Cortera

Equifax

Job description

Ryder is seeking a Rental Credit Specialist to analyze credit worthiness for Ryder's Rental, National Rental and FMG customers and provide recommendations to mitigate risk while supporting sales growth.

The role involves reviewing credit reports, financial statements, and documentation, determining appropriate credit lines, and coordinating with sales, collections, and operations. Requires 2+ years in commercial credit and strong financial analysis skills.