Applies developed subject matter knowledge to solve common and complex business issues within established guidelines and recommends appropriate alternatives.
Works on problems of diverse complexity and scope. May act as a team or project leader providing direction to team activities and facilitates information validation and team decision making process.
Exercises independent judgment within generally defined policies and practices to identify and select a solution. Ability to handle most unique situations.
May seek advice in order to make decisions on complex business issues.
Experienced Credit Analyst with keen eye for analysis and good negotiation skills to manage important portfolio across America with great learning + growth opportunities.
Nice and flexible working environment.
Uses financial statements to perform in depth analysis to independently determine the financial condition of customers and recommends their credit limits for medium monetary value customers.
Manages accounts of customers with medium credit limits independently.
Resolves credit issues independently.
Presents credit recommendations to management.
Participates in projects aiming for efficiency
Macroeconomic analysis required as part of credit decisioning
Negotiates down payments and / or securities with customers of and HP sales staff to allow customer to purchase above their credit limit.
Supports Collections in regards of account receivables account delinquency and determines the type of communication method to facilitate payment.
Analyzes at-risk customers and partners and recommends account strategies to prevent delinquencies.
May train new team members.
Education and Experience Required :
First level university degree with a focus in business or economics; MBA preferred.
Typically 4-6 years of experience in credit internally or in banking; or in collection.
Knowledge and Skills :
Strong written and verbal communication, negotiation, and conflict resolution skills.
Strong presentation skills
Developed accounting knowledge.
Solid problem solving skills.
Good computer skills.
Developed prioritization skills.
Solid understanding of risk mitigation tools.
Basic relationship building skills.
Basic influence skills.
Basic project management skills.
Basic leadership skills.
Advanced understanding of collection processes, financial principles and channel partners.
Strong understanding of customer's internal payment processes.
Strong influence skills.
Desirable Skills of the Future :