Senior Credit Analyst & Sensitive Risk Manager

Overview

This role involves proactive credit analysis and sensitive risk management to manage and monitor a portfolio of buyers. Responsibilities include gathering and evaluating relevant information, assigning buyer credit ratings, and recommending risk underwriting and mitigation strategies.

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 the appropriate credit rating for each buyer.
• Conduct buyer visits and/or telephone interviews to obtain critical information for monitoring the buyer’s portfolio.
• Monitor high-risk buyers and solicit proprietary information for an internal database (EHNA) by building rapport and maintaining contact with Finance Directors and treasurers through visits, telephone, and written correspondence.
• Use all available information to arrive at consistent grading of buyers 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.
• Support risk monitoring by devising and executing a rigorous risk monitoring plan (including review dates, follow-up actions, and updates) and producing periodic spot-on, accurate reports for internal and external stakeholders.
• Improve the earliest possible identification of deteriorating risk or buyers at risk of default by monitoring, alerting, and making improvement proposals.
• Recommend appropriate risk underwriting strategies for specific buyers to minimize default while optimizing customer satisfaction.
• On a case-by-case basis, identify and apply the best possible risk reduction and mitigation strategies.
• Communicate efficiently and swiftly with buyers and policyholders to ensure message consistency in support of the identified risk strategy.

Requirements

• Bachelor’s degree in business administration, Economics, or Finance; MBA preferred.
• 4–7 years of experience in financial management in banking, credit insurance brokerage, or a credit insurance environment.
• Excellent computer skills, including understanding of financial software and spreadsheet packages.
• Excellent understanding of financial statements and strong analytical skills.
• Interpersonal skills for high-level business meetings internally and externally.
• 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 and 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, role skills, and location. Salary is one component of the total compensation package.

Benefits include:

• 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