Credit Risk Analyst – Commercial Lending & Growth

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

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

Life insurance

Disability insurance

Paid time off

401(k) plan

Job summary

Ryder System, Inc. in Nashville seeks a Rental Credit Specialist to analyze credit worthiness and risk across Rental, National Rental and FMG product lines. You will provide financial analysis, recommendations, and process improvements to support sales while mitigating risk.

Responsibilities include reviewing credit requests, analyzing financial statements, and communicating risk to stakeholders. Strong MS Office and credit-reporting experience are expected.

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

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 risk

Communication

Time management

Risk assessment

Education

Bachelor's degree in business/finance/accounting

Tools

Microsoft Excel

Microsoft Word

PowerPoint

Access

Cortera

Equifax

Job description

Ryder System, Inc. in Nashville seeks a Rental Credit Specialist to analyze credit worthiness and risk across Rental, National Rental and FMG product lines. You will provide financial analysis, recommendations, and process improvements to support sales while mitigating risk.

Responsibilities include reviewing credit requests, analyzing financial statements, and communicating risk to stakeholders. Strong MS Office and credit-reporting experience are expected.