Senior Credit Analyst

Epicor; Rochester Hills (MI); On-site; USD 40,000 - 100,000; Full time

Job summary

An established industry player is seeking a Senior Credit Analyst to join their dynamic team. This role involves analyzing financial statements and credit data, conducting portfolio assessments, and underwriting new accounts. As a subject matter expert, you will support sales inquiries and monitor transaction activities to identify risks. With a focus on career growth and a commitment to innovation, this company offers comprehensive benefits and a supportive work environment. If you are passionate about finance and looking to make an impact, this opportunity is perfect for you.

Benefits

Comprehensive Health Benefits

Mentorship Programs

LinkedIn Learning Licenses

Diverse Team Environment

Work-Life Balance Policies

Global Mobility Assistance

Qualifications

• Experience in analyzing financial statements and credit data.
• Strong understanding of credit policies and risk management.

Responsibilities

• Analyze financial statements and industry outlook for credit decisions.
• Conduct portfolio assessments to ensure creditworthiness.

Skills

Financial Analysis

Risk Assessment

Credit Underwriting

Regulatory Compliance

Data Analysis

Education

Bachelor's Degree in Finance

Master's Degree in Business Administration

Job description

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Responsibilities

1. Analyze financial statements, industry outlook, and credit data for businesses according to merchant services credit underwriting standards.
2. Conduct periodic portfolio assessments to ensure high-risk accounts remain creditworthy.
3. Underwrite new accounts following established policies.
4. Update and improve credit policies to balance risk protection and sales initiatives.
5. Serve as a subject matter expert (SME) on credit and credit policy to support sales inquiries.
6. Monitor daily transaction activity to identify risk trends and fraud schemes.
7. Process bank-identified transaction exceptions for validation and verification.
8. Investigate transactions and batches to assess risk of loss and take appropriate actions.
9. Understand NACHA guidelines and ACH processing related to collections of delinquent accounts.
10. Assess business model risks from eCommerce to Retail sectors.
11. Understand merchant processing contracts to mitigate risks.
12. Attend industry meetings to stay updated on regulatory changes.

About Epicor

Epicor employs 5,000 professionals dedicated to creating better business solutions through data, AI, and ERP technology. We focus on connecting people, processes, and technology to support resilient global supply chains.

Our Values

Proactive, Proud, Partners. We support career growth through training, mentorship, and continuous development, ensuring your success aligns with ours.

Benefits

• Health and Wellness: Comprehensive benefits for overall well-being.
• Internal Mobility: Mentorship, education, and internal hiring opportunities.
• Career Development: LinkedIn Learning licenses and mentoring programs.
• Inclusive Workplace: Diverse team fostering innovation.
• Work-Life Balance: Supportive policies encouraging rest and recharge.
• Global Mobility: Assistance with international relocations.

Equal Opportunity

Epicor values inclusion and encourages applicants to consider roles even if their experience does not match every qualification. We are an equal-opportunity employer.

Salary Range

Minimum: $40,000 USD; Maximum: $100,000 USD. Actual compensation varies based on experience and market factors.

Recruiter

Christi McCall

Job Details

• Seniority Level: Mid-Senior level
• Employment Type: Full-time
• Job Function: Finance and Sales
• Industry: Software Development