Sr. Credit Analyst

About This Role

The Senior Credit Analyst supports US‑based retail partners by performing advanced financial statement analysis, underwriting credit and loan applications, and managing collections for a multi‑million‑dollar domestic account portfolio. This role plays a critical part in identifying and mitigating credit risk to protect the Cooperative from loss, while partnering closely with Sales, Operations, and Legal teams across the United States.

This role follows a hybrid work schedule and requires 4 days per week on‑site at our Oak Brook, IL office location. Candidates must be able to reliably commute and participate in in‑person collaboration and meetings.

What You’ll Do

• Analyze and decision US‑based Member Applications within assigned credit authority and territory
• Underwrite Retailer Loan Applications in accordance with company credit policy and applicable US credit regulations
• Establish and manage credit limits based on risk profile, financial performance, and payment history
• Review and disposition blocked retailer orders consistent with risk guidelines
• Develop payment plans and resolve past‑due balances in partnership with retailers and internal teams
• Manage an assigned portfolio of domestic retailer accounts

Required Skills & Experience

• 4+ years of hands‑on credit analysis experience supporting a US‑based business
• Demonstrated ability to analyze US GAAP financial statements, including balance sheets, income statements, and cash flow statements
• Experience managing a portfolio of accounts, including credit limits, order release, and collections support
• Strong written and verbal communication skills with internal and external stakeholders
• Proficiency with SAP or comparable ERP systems, Excel, and financial reporting tools
• Ability to work on‑site, in Oak Brook, IL 4 days per week during standard US business hours

Preferred Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, or a related field
• Familiarity with US business, credit, and contract law
• Experience with in a retail, wholesale, or distribution credit environment

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Compensation Details:

$76300 - $95500 per year

Why should you join our team?

We live our values - W.E.L.I.G.H.T (Winning, Excellence, Love, Integrity, Gratitude, Humility, and Teamwork). Gratitude. Humility. Love. You don’t often see values like these in most corporate statements, but Ace is different. These things are important to us. They represent our commitment to the company, our employees, to Ace retailers and to the Ace brand.

In addition to providing our employees a great culture, Ace also offers competitive benefits
* that address life’s necessities and perks, many of which expand and improve year after year, including:

• Incentive opportunities, based on role/grade level (company growth over the past 5 years resulted in incentives being paid out at an average of 122% of your target opportunity!)

• Generous 401(k) retirement savings plan with a fully vested matching contribution the first year in addition to quarterly contributions and annual discretionary contribution (once eligibility requirements have been met). Over the past 5 years, company contributions (matching, quarterly & discretionary) for fully eligible employees have averaged 10% of total eligible compensation

• Comprehensive health coverage (medical, dental, vision and disability – up to 26 weeks short-term disability and long-term disability) & life insurance benefits for you and your dependents

• 21 days of vacation immediately available (prorated in the first year) and up to 6 paid holidays depending on the month of hire

• Company Car, phone and fuel card are provided for field-based positions

• Your career at Ace is more than just a job. It’s a chance to be part of something meaningful. We help locally-owned businesses thrive and make an impact in their communities – and we support our employees in doing the same by offering an annual Ace Cares Week, 20 hours off work per year to volunteer at an organization of your choice, opportunities to help Children’s Miracle Network Hospitals and the Ace Helpful Fund through the Ace Foundation

• Ace invests in every employee we hire, with a key focus on development and…