Senior Credit Analyst

Location: Hybrid (3 days on-site / 2 days remote)

Territory: Must be located within 1 hour of Kernersville, NC

Salary Range: $65,000 – $85,000

The Senior Credit Analyst is responsible for the quantitative and qualitative analysis of applicant requests for lines of credit. This role involves assessing collateral values and credit risk to prepare and deliver written credit approval or denial correspondence. The Analyst will develop models of credit information to predict patterns and trends using the ERP system (SAP), credit scoring models, and business object reporting.

Additionally, this position manages third-party collection processes, bankruptcy processes, and escheat processes in conjunction with the Financial Services Director and Finance team.

• Analyze customer financial conditions (using credit data and financial statements) to authorize customer credit lines up to $1.25MM
  , minimizing bad debt risk and maximizing receivable collections.
• Analyze financial conditions to obtain authorization for credit lines in the following tiers:
• Engage and work with Sales Representatives regarding the negotiation of customer payment terms and credit limits.

• Predictive Modeling: Develop models of credit information to predict patterns and trends regarding current customer base, utilizing performance tools (SAP/Bobj) to assess financial status and mitigate risk.
• SAP Management: Monitor and maintain SAP functionality for the Credit Department; perform Customer Master audits and updates, including business partner data input (coordinator account assignment, credit limits, risk class, etc.).
• Bankruptcy & Collections: Manage and maintain bankruptcy, third-party collection, and Escheat processes. This includes current/historical reporting, trustee/service management, payment management, and batch creation for cash applications and fees.
• Research and resolve customer and/or internal inquiries or disputes.
• Adhere specifically to all company policies, procedures, federal and state regulations, and laws (including Injury and Illness Prevention).
• Support all internal and external financial audit activities associated with accounts receivables.

• Bachelor’s Degree in Business, Accounting, Healthcare Administration, or a related field of study.

• 7+ years of Credit and Collections experience, including analysis of customer financial conditions along with Dun & Bradstreet (D&B) Report analysis.
• 5+ years of experience utilizing Microsoft Office (Excel, Word, Outlook) at an advanced level.
• Experience and working knowledge dealing with 3rd party collection agencies.
• Preferred:
  Healthcare industry experience.

• Excellent knowledge of credit and collection principles (credit exposure, risk monitoring, bankruptcy laws).
• Strong knowledge of GAAP and applied accounting principles regarding the interpretation of customer financial statements.
• Proficiency in SAP, Bobj, and Internet-related computer skills.
• Ability to analyze D&B reports to determine a customer's financial condition.
• Strong organizational skills with the ability to prioritize work and meet deadlines.

• Physical: Requires vision, hearing, speech, and manual dexterity. Must be able to view computer screens for long periods. Occasional lifting up to 20 lbs.
• Mental: Requires learning, thinking, concentration, and the ability to work under pressure during busy times. Must exercise discretion and appropriate judgment regarding customer and employee relations.