Senior Credit Analyst

Summary of Duties:
Financial and credit risk assessment for both new and existing customers. Ensure timely and diligent review of customer credit files. Manage and evaluate customer exposure versus credit limit, and review and preparation of monthly logs pertaining to new accounts, account changes and over the credit limit.
RISK ANALYSIS:
Analyzes financial statements, credit reports, references for the purpose of establishing or maintaining credit limit.
Review both new and existing customer files. The review of existing files will require consistency of Credit Account Numbers, elimination of duplicate bill to?s, and consistency of Terms of Sale.
Reviews the analysis submitted by analyst and makes recommendation on approval or decline of credit request.
Communicates and consults with customers, sales, credit mgt. regarding credit issues.
REPORTING/PLANNING:
Weekly, monthly and quarterly reporting on all financial indicators: Top Past Dues (Inv?s, CB?s, COA, etc), A/R Items over 60 days, etc. Analysis should include recommendation for improvements.
Review credit information report for expired/potential expired accounts, in conjunction with the customer exposure.
Implement monthly action plan for the purposes of identifying and updating expired / potentially expired accounts. Will prepare follow up report at beginning of next month as a means of measuring success of plan.
Contributes and Evaluates areas for improvement to business process and flow
Review New Account, Account Change Log and Special Shipment Log for accuracy and completion each month. Also review of over credit limit report.
Special projects.
RISK CONTROL/MANAGEMENT SUPPORT:
Responsible for ensuring strict adherence to corporate credit policy.
Internal audit review of each credit file before returning approval. Follows guidelines of approval matrix, file order, etc. Reviews with staff any inconsistencies.
Support department collections activity on an as needed basis.
Active in internal/external Audits, PRE and POST audit.
Customer visits to discuss financials and communication with bank officers.
Keeping abreast of industry trends as to how they relate to your account base.
OTHER:
Must be proactive with the front line and collaborative with the FSO team to ensure quality support of management.
Must participate in resolving problems and improve processes across functional lines.
Take a professional interest in helping the FSO team achieve operational excellence; be communicative and responsive and work together to improve service.
Participate in all facets of training and development including job rotation, an essential part of the FSO development plan, which not only adds value to each individual?s career path, but the company?s plan for employee development, as well.
Insures full compliance with MEI and PNA policies, internal controls, Sarbanes-Oxley Act.
Insures protection of company assets in all areas through front line knowledge and experience.
Scope and Competency Requirements

Qualifications Requested:
Education: BS Degree in a business/financial area or equivalent experience preferred.
Experience: 8-12 years of relevant credit experience required and supervisory experience strongly preferred.
Proficiency: Functional ability to operate a PC and appropriate software programs is mandatory to accomplish specific duties listed above. SAP knowledge and training experience highly preferred.
Communications: Maintains good communications with customers, internal sales staff and credit agencies. Interacts with sales, region and HQ personnel to expedite order approval and cash collections. Supports the sales department's efforts to resolve major problem by contacting or visiting accounts, as requested. Presentations to high-level groups. Frequently must persuade contacts to accept position counter to that previously held. Must be a communicator of key issues. Consults with credit managers in other divisions. Excellent oral/written/communication and negotiation skills are required.
Management: Acts as a resource in order to help staff overcome obstacles. Frequently makes presentations and/or attends meetings regarding credit issues to sales, operations and at times, management. Using logic and analysis to identify the strengths and weaknesses of different approaches. Travel as required.


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