Credit Analyst I

Job Summary

The Credit Analyst I provides professional analysis relating to a diverse portfolio of healthcare accounts with active receivables in excess of $140M. This involves continuous investigation and research designed to manage the customer relationship and assist in limiting unnecessary risk and exposure through credit decisions.

Job Details/Responsibilities

Manage the extension and administration of credit and collections to ensure compliance with the company policy and legal statutes.  The credit extension process may include local bank and trade references, prior history, sales recommendations, D&B reports and analysis of financial statements.

•    Manage exposure and mitigate risk for open account sales. Establish credit worthiness utilizing complex financial statement analysis, credit reports and analyst reviews with authority to extend Credit Limits.
•    Review trade data, financial results and public information in an effort of minimizing bad debt.
•    Review pending orders to determine customer worthiness of orders being released for shipments.
•    Perform Customer hierarchy maintenance for customers by understanding the complexities of multiple business entities from single proprietors to large corporations including legal entity.
•    Provide sales support by engaging the sales organization, internal business partners and customers as a financial, business and problem-solving resource.  
•    Uncover customer growth opportunities and future business expansion by identifying potential credit opportunities.
•    Deliver excellent customer service.
•    Build and maintain business partnerships to drive teamwork. 
 
 

Job Responsibilities (continued)

Working Conditions/Physical Requirements

Knowledge, Skills and Abilities (KSA)

o    Excellent analytical skills and the ability to transform data into meaningful and actionable insights.
o    Excellent collaborator with demonstrated capability to partner with other business functions and internal stakeholders.
o    Strong interpersonal and communication skills – verbal, written and facilitation.
o    Strong organization skills and attention to detail.
o    Strong Customer Focus.
o    Technologically savvy and able to learn new software.
o    Ability to manage day to day activities and project work.
o    Able to work effectively with all levels of business, internal and external customers.
o    Possess a comprehensive understanding of business principals including accounting, credit and collections, financial statements analysis, banking and finance, and commercial law.
o    Premium value placed on ethics and integrity.
o    Demonstrated ability to develop, drive and improve processes.   
o    Ability to work independently and effectively.
o    Self-starter with strong initiative willing to challenge the status quo, using tack and diplomacy.
o    Demonstrated ability to work in complex situations with professionalism and decorum.

Qualifications/ Background Experiences

• Bachelor’s Degree in Business Administration, Finance, Accounting preferred.
• 1-3 years Credit and Collections experience
• Memberships in Professional Organizations such as D&B, NACM, NACS a benefit.
• Intermediate in Microsoft Excel, Word, Power Point, and Outlook.
• Exposure to SAP ERP system a distinct advantage.