Sr. Credit Analyst

Senior Credit AnalystThe Senior Credit Analyst functions include advanced financial statement analysis for the preparation of member applications, to facilitate order release, underwrite retailer loans, and to manage the collection effort for a multi-million-dollar portfolio of retail store accounts. This critical finance role is responsible for identifying and mitigating risk for their portfolio and to protect the cooperative from financial losses. You will receive the support and collaboration of an extensive team of credit and operations professionals to help you achieve your goals.What You'll DoAnalyze and decision new member applications within designated authority and territoryUnderwrite loan applications within designated territoryDetermine appropriate credit limits within designated authority and territoryDisposition blocked retailer orders timely and in line with the retailer's risk profileEstablish payment plans to resolve retailer past due balancesWho You AreYou are a finance or accounting professional with exceptional attention to detail that excels in financial statement analysis and risk assessment. You have a strong work ethic with excellent communication skills and enjoy working cross functionally with colleagues and business owners across the country.Required SkillsMinimum of 4 years of experience.Ability to quickly read, interpret and analyze financial statements including balance sheets, income and cash flow statements, and proforma data to produce a professional written analysis.Manage a portfolio of accounts including setting credit limits, order release, and working with past due retailers to develop solutions and payment plans as needed.Self-motivated, with a strong work ethic, well organized and able to perform with limited supervision in order to work effectively within various deadlines and time constraints.Excellent verbal and non-verbal communication and negotiation skills.Proficient with SAP or equivalent ERP system, MS Office Suite, database queries and reporting.Preferred SkillsA four year business degree (preferably in finance, economics or accounting)Familiarity with business and credit laws and prior experience working with legal contracts.Compensation details: $74700 - $93550 per yearWhy 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 levelGenerous 401(k) retirement savings plan with a fully vested matching contribution the first year in addition to quarterly contributions and annual discretionary contributionComprehensive health coverage (medical, dental, vision and disability) & life insurance benefits for you and your dependents21 days of vacation immediately available and up to 6 paid holidaysYour career at Ace is more than just a job. It's a chance to be part of something meaningfulAce invests in every employee we hire, with a key focus on development and coachingWe know the work environment matters. That's why Ace holds frequent campus eventsWe bring them to you Services such as mobile spas, auto maintenance, car wash and detailing, dry cleaning, dentists, eye doctors, flu shots, recycling and moreEmployee discounts on Ace merchandise (including top brands like Weber, Traeger, Yeti, Craftsman, DeWalt and more), travel, fitness, computers and thousands moreBirth/Adoption bonding paid time offAdoption cost reimbursementEmployee Assistance Program (EAP) access to free visits to therapists and lawyers, guidance on financial matters, elder and childcare, and assistance with tickets to entertainment eventsIdentity theft protection* Benefits are provided in compliance with applicable plans and policies.