Credit/Project Analyst

SUMMARY
Performing credit analysis and making credit recommendations for customers seeking credit limits up to $100,000. Administering department projects and analyses. Providing back-up support for customers with credit limits in excess of $100,000.

ESSENTIAL DUTIES AND RESPONSIBILITIES
1. Make credit recommendations for New & Existing customers seeking credit limits up to $100,000.
? This would involve using a Small Business model for credit decisions up to $100,000. This includes performing financial analysis, checking bank references, verifying dates of incorporation, obtaining personal guarantees and contacting the customer to provide additional information.
? This role would also include conducting periodic reviews for all accts up to $100,000. This will entail a periodic assessment of payment trends, proactive credit increases & decreases, account inactivity, and changes in third-party information (Experian, D&B)

2. Responsible for conducting and administering department projects and analyses:
? This would entail ad-hoc and on-going projects needed by the department. The scope of these projects would extend to the Collection area as well. The nature of these projects would include promoting sales, increasing efficiencies, measuring department performance, and ensuring credit quality and risk management.
? Examples include the following responsibilities: Portfolio Analysis (ie Credit & Collections) Performing Proactive Increase / Decrease Analyses, Monitoring Credit Holds, Bad Debt Analysis, Fraud and Bankruptcy Post-Mortem Analysis, Cash forecasting.

3. Additional Responsibilities would include:-
? Providing backup support to Senior Credit Analysts for analysis and credit write-ups in excess of $100,000. This would include calling customers for financial statements, discussing current operating performance and financial spreading duties.
? Reporting duties (ie Trade File submission).

Experience and Skills:
EDUCATION and/or EXPERIENCE
College degree with a major in Finance and/or Accounting (GPA 3.5 or above)
Credit analyst/intern experience in a bank environment and / or vendor credit environment.