Credit Analyst: Risk & Financial Analysis, Flexible Schedule

Ace Hardware Corporation; Oak Brook (IL); On-site; USD 65,000 - 81,000; Full time

Benefits offered by this job

Incentives

401(k) plan with matching

Health coverage (medical/dental/vision

Vacation & holidays

Company car & phone

Employee discounts

Job summary

Ace Hardware Corporation is seeking a Credit Analyst to assess financial statements and mitigate risk for a multi-million-dollar portfolio of retailer accounts. You will analyze member applications, underwrite loans, and determine credit limits while collaborating with Credit and Operations teams.

The role emphasizes attention to detail, strong communication, and the ability to work cross-functionally across the country from a modern Oak Brook facility.

Qualifications

• Ability to read, interpret and analyze financial statements to produce written analyses.
• Manage a portfolio including setting credit limits and working with past-due retailers.
• Self-motivated, well organized and able to perform with limited supervision.
• Excellent verbal and nonverbal communication and negotiation skills.
• Proficient with SAP or equivalent ERP system, MS Office Suite and reporting.

Responsibilities

• Analyze and approve new Member Applications within designated authority and territory.
• Underwrite Loan Applications within designated territory.
• Determine appropriate credit limits within authority and territory.
• Disposition blocked retailer orders in line with risk profile.
• Establish payment plans to resolve retailer past due balances.

Skills

Financial statement analysis

Risk assessment

Credit limits

Communication skills

SAP

MS Office

Database queries

Education

Bachelor's degree in Finance/Accounting

Tools

MS Excel

SQL

Job description

Ace Hardware Corporation is seeking a Credit Analyst to assess financial statements and mitigate risk for a multi-million-dollar portfolio of retailer accounts. You will analyze member applications, underwrite loans, and determine credit limits while collaborating with Credit and Operations teams.

The role emphasizes attention to detail, strong communication, and the ability to work cross-functionally across the country from a modern Oak Brook facility.