Senior Credit Analyst

Commercial Metals Company; Irving (TX); On-site; USD 70,000 - 100,000; Full time

Benefits offered by this job

Day 1 Benefits Coverage with low cost Medical, Vision, Dental

Day 1 Paid-time Off and Vacation

4.5% Company Match 401(k) plan

Competitive Compensation and Bonuses

Company-paid Life and Disability Insurance

Employee Stock Purchase Plan

Training and Advancement Opportunities

Job summary

A leading metals and recycling company in Texas is seeking an experienced professional for a role focused on credit review and financial analysis. The ideal candidate will have over 7 years of credit review experience, strong analytical skills, and the ability to work independently and with a team. Responsibilities include assessing credit limits, analyzing financial data, and coaching less experienced team members. The position offers comprehensive benefits including medical coverage and paid time off.

Qualifications

• Minimum of 7 years of credit review and approval experience in a construction or manufacturing environment.
• Ability to analyze financial information and credit reports.
• Strong communication skills and ability to work independently or in a team.

Responsibilities

• Assess credit limits for new and existing customers.
• Analyze customers' financial information.
• Provide assessment of profitability and risk for extending credit.
• Coach team members on transactions.
• Maintain compliance with Credit and Collection policy.
• Develop relations with key customers.

Skills

Credit review and approval experience

Knowledge of construction mechanic lien and bonds

Analyzing financial statements

Interpreting Consumer and Commercial Credit reports

Strong computer skills

Detail oriented

Interpersonal and negotiation skills

Customer relations abilities

Strong analytical and statistical skills

Written and verbal communication skills

Education

Bachelor's degree in Finance, Accounting, Business Administration or related field

High School Diploma or GED

Tools

SAP or other related ERP system

Microsoft Office (Excel, Word)

Job description

There’s more to CMC than our products and the buildings, structures, and roads they go into. At CMC, it’s the people inside our recycling centers, fabrication plants, manufacturing facilities, steel mills and offices that make us who we are as a company. Our success comes from finding, retaining, and supporting the highest quality talent by offering:

• Day 1 Benefits Coverage with low cost Medical, Vision, Dental
• Day 1 Paid-time Off and Vacation
• 4.5% Company Match 401(k) plan
• Competitive Compensation and Bonuses
• Company-paid Life and Disability Insurance
• Employee Stock Purchase Plan
• Training and Advancement Opportunities

Why This Job

CMC provides an excellent opportunity to learn the steel, construction reinforcement and ground stabilization industries and to grow in your career. Whether you will spend your day brainstorming in an office cubicle, operating a crane, running manufacturing equipment or troubleshooting technical obstacles, at CMC, you’ll get the training and support from your team that you need to excel in your role and reach your full potential.

What You'll Do

• Assess credit limits for new and existing customers and jobs, producing recommendations after thorough analysis of a variety of factors
• Analyze customers' financial information, including income statements, cash flow history, current debt, balance sheets and credit reports
• Responsible for providing assessment of profitability of default by a customer and determining risk of extending secure and unsecure credit
• Function as a coach to less experienced team members on transactions and accounts
• Research public records, such as county register’s databases, Secretary of State Database, and assessors database, for corporate and UCC filings
• On construction projects, ensure CMC is in position to be secured via lien or bond
• Interface with internal and external customers regarding changes in credit eligibility and limits
• Maintain and improve compliance with the Credit and Collection policy to ensure systematic follow-up and review as per standards
• Develop and maintain relations with key internal and external customers and other principal industry suppliers
• Miscellaneous projects as requested

What You'll Need

• 7+ years of credit review and approval experience in construction or manufacturing environment
• Knowledge of construction mechanic lien and bonds
• Extensive experience in analyzing financial statements
• Extensive experience Interpreting Consumer and Commercial Credit reports
• Strong computer skills including excel/word/Microsoft office with experience managing credit in SAP or other related ERP system
• Ability to work independently and with a team, detail oriented, interpersonal and negotiation skills and customer relations abilities
• Strong analytical and statistical skills
• Strong written and verbal communication skills, including telephone skills to relate to multiple stakeholders
• Available for travel up to 10% of the time

Your Education

• Bachelor's degree in Finance, Accounting, Business Administration or related field
• High School Diploma or GED required

CMC is committed to providing equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, age, physical or mental disability, national origin, citizenship, military or veteran status, sexual orientation, gender identity and/or expression, genetic information, or other status protected by federal, state or local law.