SEA_Financial Services Manager

Position Summary


 


To direct the credit activities for the credit organization in accordance within specified guidelines.  To perform an in depth analysis on all available information related to an established or prospective customer in order to reach a sound credit decision.


 
Essential Duties & Responsibilities
 

Manage the Concentrated Credit Risk for the SEA portfolio
Maintains responsibility for applying company’s credit practices, and procedures as outlined in department manual
Analyzes requests for credit in order to ascertain what information and security will be required to arrive at a sound decision
Develop Strategic Plan for the use of Technology and the Management of Credit Risk
Reviews assembled files and reports, analyzes financial statements and supplementary information
Use Statistical Analysis to Determine a Potential Customer problem. Recommends credit lines for individual accounts and makes all credit arrangements
Personally handles non-routine credit inquires and correspondence
Consults immediate superior for advice on particularly complex problems and cases requiring policy decision
Monitors monthly balances of customers to ensure that balances are within established limits
Represents the company at creditors’ meetings and bankruptcy proceedings
Supervises the processes and procedures relating to recorded contracts, use of collateral, insurance claims, lien instruments, and the like
Prepares and submits/presents periodic operating reports to immediate superior and Executive management on the Credit Risk Assessment of current receivable
Trains the staff; interprets credit policy and gives instruction in the credit communication to new employees
Meets with Customer base to review financial status to determine credit risk
Represent the Financial Services department at various Sales meetings or industry shows
 


Required Knowledge, Education and/or Experience


 

Considers a wide range of alternatives prior to making a decision
Takes the initiative as problems & opportunities arise.  Seizing opportunities early
Effectively handles emergencies & crisis’s
Actively develops a climate of teamwork & cooperation when working with peers
Ability to communicate with people at different organizational levels
Follows up tasks & assignments to ensure successful completion on assigned dates.
Bachelor degree with focus on accounting or finance, Masters degree preferred.
Proficient in Windows, Excel, Work, PowerPoint.
Familiarity with SAP
Understanding the business and market trends, which affect our accounts
Strong analytical skills, the ability to analyze and also interpret the meanings in written and verbal form
 A minimum of 7 years credit experience performing complex financial statement analysis, as well as handling the spreadsheet and reporting tools used to conduct successful analysis. An understanding of risk/reward analysis and credit mitigation documents


 


CREDIT COLLECTIONS FOLKS NEED NOT APPLY


Job Level: 5-7 years