Sr Credit Analyst

Quad/Graphics; Sussex (WI); Presencial; USD 70.000 - 100.000; Jornada completa

Descripción de la vacante

Quad/Graphics in Wisconsin is seeking a Senior Credit Analyst to administer credit and collection policies, assess creditworthiness, and set limits. You will manage a portfolio, monitor exposure and risk, and coordinate with business units on changes to credit risk.

Responsibilities include underwriting, limit approvals, collections, risk analysis, and process improvement. Strong communication and finance skills are essential; bachelor's degree preferred and NACM certifications are a plus.

Formación

• Minimum of 5 years in a commercial B2B credit and collections environment.
• BS degree preferred but not required.
• Proficient in MS Office and analytical capabilities.

Responsabilidades

• Assess customer credit worthiness and authorize credit limits based on underwriting and research.
• Monitor changes in economic, industry, and customer conditions and adjust credit limits accordingly.
• Elevate visibility of customers with increased exposure through reports and dashboards.
• Maintain documentation and rationale for credit decisions and limits.
• Recommend best practices and process improvements.
• Manage portfolio for collections and risk analysis; provide internal/external customer service.

Conocimientos

Credit analysis

Negotiation

Financial analysis

Communication

Risk awareness

Adaptability

Educación

Bachelor's degree in Accounting/Finance

Herramientas

Microsoft Office

CRM tools

Descripción del empleo

Senior Credit Analyst is responsible for administering and enforcing company credit and collection policies and procedures, assessing credit worthiness and recommending credit limits. Management of portfolio to include collections and ongoing monitoring and financial analysis of existing customers for changes to exposure and risk tolerance. Additional responsibilities to be assigned either on a project level or ongoing responsibilities (example would be a unique subsidiary beyond print, financial/industry analysis or management of higher risk portfolio).

• Assess customer credit worthiness and authorize customer credit limits based on basic underwriting along with company and industry research within approved levels while recommending authorization for limits above their approval level.
• Monitor changes in economic, industry, and customer conditions and maintain communication with various business units to evaluate potential changes to customers' credit worthiness (risk tolerance) and credit limits.
• Elevate visibility of customers with significantly increased exposure and/or risk through management reporting and utilization of credit dashboard and exception process.
• Maintain appropriate documentation and transparency to support basis and rationale for customer credit decisions and limits.
• Recommend best practices and process improvement where appropriate.
• Management of portfolio for collection, deduction management and proactive risk analysis.
• Customer service – internal and external
• Additional projects to be assigned short or long-term dependent on need.

Education

• BS degree in Accounting/Finance or business field preferred but not required.

Experience

• Minimum of 5 years of experience in a commercial B2B credit and collections environment

Certificates, Licenses, Registrations

• CBA, CBF – NACM Credit Business Associate (preferred but not required)
• CCRA – NAM Certified Credit Risk Analyst (preferred but not required)

Knowledge, Skills & Abilities

• Proficient in Microsoft Office and other productivity software tools
• Strong verbal and written communication skills
• Excellent research and financial analysis capabilities
• Solid negotiation skills
• Must be adaptable to a changing environment
• Solid collections skills
• Business Acumen (Economics, Accounting)

Physical Demand Requirements

• Manual Dexterity: Work requires definite skilled and accurate physical operations requiring some closely coordinated performance.
• Physical Effort: Work requires handling light weight materials or equipment with no special speed or exertion.
• Working Conditions: Ordinary office, shop, field, or warehouse working conditions with some slightly disagreeable features.
• Hazards: Negligible. Little or no exposure to hazards.