Senior Credit Analyst and Sensitive Risk Manager

Overview

This role proactively manages a portfolio of buyers by gathering appropriate information and assessing buyers according to defined targets (manual grading). Responsibilities include credit analysis, ongoing risk monitoring, stakeholder communication, and development of industry sector outlooks.

Responsibilities

• Manage a profitable portfolio of business within parameters agreed upon with the Regional Director of Information and grading, using sound credit analysis techniques.
• Perform financial and credit analysis to determine appropriate credit ratings of companies being assessed.
• Conduct buyer visits and/or telephone interviews to obtain critical information for monitoring the buyer portfolio.
• Monitor high-risk buyers and solicit proprietary information for the EHNA database by building rapport and maintaining contact with Finance Directors and treasurers through visits, telephone conversations, and written correspondence.
• Use available information to arrive at consistent buyer grading within authority; provide detailed recommendations to the Manager and/or Regional Director when decisions are outside authority.
• Coordinate with Sales Agents and Commercial Underwriters and/or customers regarding underwriting requirements, including industry outlooks and target markets.
• Create industry sector outlooks using both public and proprietary information to identify underlying market trends.
• Report to the head of SRU and serve as the SRM expert, including:
  • Devise and execute a rigorous risk monitoring plan (review dates, actions follow-up, updates), ensuring periodic reports are accurate and delivered to internal and external stakeholders, and carrying out necessary follow-up actions.
  • Monitor, alert, and propose improvements to support the earliest possible identification of deteriorating risk or buyers at risk of default.
  • Recommend appropriate risk underwriting strategy for specific buyers to minimize default while optimizing customer satisfaction.
  • On a case-by-case basis, identify and apply the best risk reduction and mitigation strategy.
  • Ensure efficient and swift communications with both buyers and policyholders to maintain message consistency in support of the identified risk strategy.

Requirements

• Bachelor’s degree in business administration, Economics or Finance (MBA preferred).
• 4–7 years’ experience in financial management in banking, credit insurance brokerage, or a credit insurance environment.
• Excellent computer skills, including understanding financial software and spreadsheet packages.
• Excellent understanding of Financial Statements and strong analytical and interpersonal skills for high-level business meetings (internal and external).
• Exceptional written communication skills.
• Proficiency with Microsoft Word and Excel.
• Effective time management.
• Credit knowledge and experience with high volume risk analysis and underwriting.
• Market knowledge of the local economic environment.
• Expertise in a particular region and/or trade sector.
• Strong skills in financial analysis; very good knowledge of Finance and Credit Management.
• Expertise and experience in buyer assessment.

Preferred Qualifications

• Bilingual

Compensation & Benefits

Total Compensation Range

• $105,000–$115,000

Placement within the range is based on relevant experience, skills for the role, and location. Salary ranges are only one component of the total compensation package.

Benefits

• Competitive compensation
• Annual bonus eligibility and/or commission structure opportunities
• 401(k) discretionary match of up to 6%
• Flexible work schedules
• Health and wellness benefits
• Paid time off for vacation, illness, Birthday Day Off and Volunteer Day Off
• Tuition Reimbursement
• Family care resources, including fertility and adoption benefits

Location

North America