Credit Management Analyst

Bread Financial; Columbus (OH); Hybrid; USD 60,000 - 80,000; Full time

Job summary

A leading financial services company located in Columbus, OH is seeking a Credit Management Analyst. In this role, you will create and analyze underwriting standards, serve as the primary risk contact for Client Sales, and develop strategies for credit limit assignments. Ideal candidates will possess a Bachelor's degree and have experience in credit management. Enjoy a hybrid work schedule with competitive pay and comprehensive benefits.

Benefits

Medical, dental, vision benefits

401(k)

Paid time off and holidays

Qualifications

• Bachelor's Degree or equivalent work experience in related fields.
• At least one year in credit management preferred.
• 1 year of experience in judgmental lending or manual underwriting preferred.

Responsibilities

• Create and evaluate new account application underwriting standards.
• Act as primary risk contact for the Client Sales team.
• Create strategies and credit limit assignments for new client implementations.

Skills

Credit management

Analytical skills

Communication

Education

Bachelor's Degree in Economics, Statistics, Finance, Business, Accounting

Job description

Hybrid remote in Columbus, OH | United States

Overview

Credit Management Analyst role at Bread Financial, located in Columbus, OH. Eligible candidates should have the latest education / graduate with a Bachelor Degree. This position is in the Accounting/Credit Management field and supports profitable growth through underwriting and credit limit management in alignment with contractual guidelines.

Responsibilities

• Analysis, Testing and Evaluation: Create and evaluate new account application underwriting standards for portfolios of clients with guidance from the Credit Risk Manager. Analyze performance of past accounts and recommend changes to underwriting and credit limit parameters. Create, test and analyze new credit limit strategies for specific clients to increase sales and profitability for existing accountholders. Create and analyze reporting of key credit risk metrics to understand changes in portfolio risk and customer behavior.
• Business Partnerships and Communication: Act as primary risk contact for the Client Sales team. Research and resolve ad-hoc requests from internal partners and communicate results. Participate in Strategic Account Management with Client Sales. Create strategies, underwriting standards, and credit limit assignments for new client implementations. Participate in strategic projects to identify enhancements leading to more account approvals and higher sales.

Qualifications

• Bachelor's Degree or equivalent work experience in Economics, Statistics, Finance, Business, Accounting or completion of a Bread Financial apprentice program.
• Preferred: At least one year in credit management
• Preferred: 1 year of judgmental lending or manual underwriting experience

Working Conditions

• Normal office environment.
• Some travel may be required.
• Hybrid schedule with an onsite requirement of 3-4 days per month. In-office requirements are subject to change based on business needs. Candidates must reside within 60 miles of Columbus, OH or listed alternative locations.

Job Details

• Reports to: Senior Manager, Collections Risk Strategy
• Direct Reports: None
• Job Type: Regular

Benefits and About Bread Financial

Bread Financial offers medical, dental, vision, and other benefits including 401(k). The company is an Equal Opportunity Employer and participates in E-Verify. Bread Financial provides accommodations to applicants needing assistance with the application process. The company supports paid time off, holidays, and various leave policies. Bread Financial is a tech-forward financial services company headquartered in Columbus, Ohio, with approximately 7,000 associates and a commitment to sustainable business practices.

• Bread Financial offers competitive pay and a comprehensive benefits package.
• The Company is an Equal Opportunity Employer and participates in E-Verify.
• Applicants with criminal histories are encouraged to apply in compliance with applicable laws.