Senior Credit Analyst

1 day ago

Irving, United States Commercial Metals Full time
it's what's inside that counts

There's more to CMC than our products and the buildings, structures, and roads they go into. At CMC, it's the people inside our recycling centers, fabrication plants, manufacturing facilities, steel mills and offices that make us who we are as a company. Our success comes from finding, retaining, and supporting the highest quality talent by offering:

  • Day 1 Benefits Coverage with low cost Medical, Vision, Dental
  • Day 1 Paid-time Off and Vacation
  • 4.5% Company Match 401(k) plan
  • $500 Annual Company-paid Lifestyle Benefit
  • Competitive Compensation and Bonuses
  • Company-paid Life and Disability Insurance
  • Employee Stock Purchase Plan
  • Training and Advancement Opportunities
Why This Job

CMC provides an excellent opportunity to learn the steel, construction reinforcement and ground stabilization industries and to grow in your career. Whether you will spend your day brainstorming in an office cubicle, operating a crane, running manufacturing equipment or troubleshooting technical obstacles, at CMC, you'll get the training and support from your team that you need to excel in your role and reach your full potential.

What You'll Do
  • Assess credit limits for new and existing customers and jobs, producing recommendations after thorough analysis of a variety of factors
  • Analyze customers' financial information, including income statements, cash flow history, current debt, balance sheets and credit reports
  • Responsible for providing assessment of profitability of default by a customer and determining risk of extending secure and unsecure credit
  • Function as a coach to less experienced team members on transactions and accounts
  • Research public records, such as county register's databases, Secretary of State Database, and assessors database, for corporate and UCC filings
  • On construction projects, ensure CMC is in position to be secured via lien or bond
  • Interface with internal and external customers regarding changes in credit eligibility and limits
  • Maintain and improve compliance with the Credit and Collection policy to ensure systematic follow-up and review as per standards
  • Develop and maintain relations with key internal and external customers and other principal industry suppliers
  • Miscellaneous projects as requested
What You'll Need
  • 7+ years of credit review and approval experience in construction or manufacturing environment
  • Knowledge of construction mechanic lien and bonds
  • Extensive experience in analyzing financial statements
  • Extensive experience Interpreting Consumer and Commercial Credit reports
  • Strong computer skills including excel/word/Microsoft office with experience managing credit in SAP or other related ERP system
  • Ability to work independently and with a team, detail oriented, interpersonal and negotiation skills and customer relations abilities
  • Strong analytical and statistical skills
  • Strong written and verbal communication skills, including telephone skills to relate to multiple stakeholders
  • Available for travel up to 10% of the time
Your Education
  • Bachelor's degree in Finance, Accounting, Business Administration or related field
  • High School Diploma or GED required

We are Commercial Metals Company, a Fortune 500 company with a family feel that's already part of your life. Our steel products have been supporting structures in more than 20 countries for over 100 years. And the secret to our success? We've built our legacy by assembling a team of innovators and doers to tackle some of the most challenging problems facing our world over the last 100 years - but we're just getting started.

If you're ready to reimagine ways to make the steel industry more sustainable, reinforce the bridges and roadways connecting our communities, and do meaningful work, you're ready to join CMC. Apply today and start moving your career - and our world - forward.

CMC is committed to providing equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, age, physical or mental disability, national origin, citizenship, military or veteran status, sexual orientation, gender identity and/or expression, genetic information, or other status protected by federal, state or local law.

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