Senior Credit Risk Analyst

1 week ago


Greenville, South Carolina, United States Spherion Full time
Job Overview

Position Title: Senior Credit Risk Analyst

Compensation: $32/hr to $33/hr

Work Arrangement: Hybrid Role - Remote on Mondays and Fridays; In-office Tuesday to Thursday

Employment Type: Temporary to Permanent

Location: Candidates must be based in Greenville, SC

Reporting Structure: Reports directly to the Credit Manager

Position Summary

The Senior Credit Risk Analyst plays a crucial role in managing the intake and evaluation of customer credit applications. This position ensures adherence to established policies and procedures while providing essential guidance to both internal and external stakeholders regarding the credit process. The analyst will collaborate with the Credit Manager on complex cases, including those involving security interests and customer bankruptcies, ensuring all necessary documentation is meticulously gathered and reviewed.

Key Responsibilities
  • Manage the intake of credit inquiries from various business units.
  • Conduct comprehensive assessments of borrowers' financial health through detailed analysis of financial statements and credit reports.
  • Evaluate risks associated with credit extensions and provide recommendations for approvals or denials.
  • Assist in formulating and executing credit policies and risk assessment models to enhance credit management practices.
  • Collaborate with the collections team to identify customers with potential payment issues and initiate necessary credit reviews.
  • Work alongside third-party processing teams to ensure compliance with established processes and assist in tracking performance metrics.
  • Support the Credit Manager in compiling data for annual credit reviews and related presentations.
  • Identify and communicate special credit situations, including emergencies and bankruptcies, to the Credit Manager.
  • Maintain strong relationships with sales, finance, customer service, IT, and accounting teams through regular communication.
  • Perform additional duties as assigned.
Qualifications
  • Minimum of 3 years' experience in a commercial credit or collections role within a large organization.
  • Proven experience in evaluating commercial customers for creditworthiness.
  • Preferred Bachelor's Degree in Business Administration, Accounting, Finance, or equivalent experience.
  • Familiarity with large-scale ERP systems and their accounts receivable components.
  • Intermediate proficiency in MS Office Suite (Word, Excel, PowerPoint, Outlook).
  • Strong analytical skills in reviewing commercial financial statements.
  • Basic knowledge of receivable securitization options and commercial bankruptcy processes.
  • Excellent communication skills, particularly in sales and customer interactions.
  • Experience in preparing and delivering presentations in person or via virtual platforms.
Job Type:

Full-time

Benefits:
  • Dental Insurance
  • Health Insurance
  • Vision Insurance
Work Schedule:
  • 8-hour shifts
  • Daytime hours, Monday to Friday
  • No weekend work required


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