Credit Risk Analyst

Job Title:

Credit Analyst

Work Location:

700 Sylvan Ave, Englewood Cliffs, NJ USA

Work Schedule:

onsite

Assignment Length: 6 months

• 1 Bachelors degree with a focus on accounting or finance.
• 5 applicable years of experience in commercial credit.

• Financial analysis
• Credit review and risk assessment
• Risk mitigation (hedging, Letter of Credit, flooring, factoring, PUT contracts)

To protect the assets of the company while supporting sales. Key responsibilities include performing detailed credit reviews, risk analysis, monitoring credit limits, and providing risk‑mitigating solutions for a portfolio of accounts.

• Manage commercial credit risk for an assigned portfolio of accounts.
• Perform detailed reviews and risk analysis to assess credit risk and adjust limits.
• Schedule and conduct credit reviews for the assigned portfolio.
• Use risk assessment tools and third‑party data to analyze new account requests.
• Obtain necessary information, assign risk category, perform financial review, and submit for credit line activation in SAP.
• Analyze reports, scorecard data, financial statements, bank/trade references, and payment history to support sales while protecting assets.
• Recommend credit lines or alternative hedging options for unqualified accounts; facilitate implementation with team leads.
• Handle non‑routine credit inquiries and correspondence.
• Escalate complex cases to team leads for policy interpretation.
• Monitor monthly credit lines to ensure balances remain within limits.
• Assist team leads or senior analysts with risk assessment for specific divisions and provide credit process assistance.
• Represent the company at creditor meetings, trade shows, and related events.
• Prepare and submit departmental reports (Quarterly, Monthly, Weekly, Watch List, Z‑Credit AR Forecast, etc.).
• Participate in customer visits to obtain financials and assess account status.

• Maintain bad debt loss ratio ≤ 0.009.
• Review all assigned accounts on schedule (≥1M twice per year;