Hybrid Credit Analyst — Risk, Underwriting & Analytics

acehardware

Oak Brook (IL)

Hybrid

USD 65,000 - 81,000

Full time

14 days+

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Benefits offered by this job

Incentive opportunities

401(k) retirement savings with company

Health coverage (medical, dental, etc)

Job summary

Ace Hardware Corporation in Oak Brook, IL seeks a Credit Analyst to underwrite retailer loans and manage a multi-million-dollar portfolio. You will perform advanced financial statement analysis, set credit limits, and develop payment plans while mitigating risk.

The role offers in-office with one remote day, a supportive finance team, and opportunities to work cross-functionally from coast to coast. You will analyze statements, plan risk-based approvals, and collaborate with operations to secure

Qualifications

Ability to read and analyze financial statements including balance sheets, income statements, and cash flow to produce analyses.
Manage a portfolio of accounts including setting credit limits, order release, and handling past-due retailers.
Self-motivated with strong work ethic, well organized and able to meet deadlines with limited supervision.
Excellent verbal and written communication and negotiation skills.
Proficient with SAP or equivalent ERP, MS Office, and basic SQL queries.

Responsibilities

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