Position Summary

The Senior Credit Analyst is responsible for the quantitative and qualitative analysis of applicant requests for a line of credit. The Senior Credit Analyst will assess collateral values credit risk and prepare and deliver written credit approval or denial correspondence. The Senior Credit Analyst will develop models of credit information to predict patterns and trends using our ERP system (SAP) credit scoring model business object reporting and Excel. The Sr. Credit Analyst will manage and maintain third party collections process bankruptcy process and escheat process in conjunction with the Financial Services Director Financial Services Collection Manager and the Finance team.

The Senior Credit Analyst will train new credit team members perform systemic customer master updates on new and existing accounts and maintain credit data integrity. The Senior Credit Analysts regularly interacts with FFF Enterprises Financial Services Finance Sales Sales Operations and Customer Service teams along with our customers while providing WOW Customer Service.

Essential Functions and Duties

• Analyze customers financial condition (credit data and financial statements) authorizing customer credit lines < $1.5MM minimizing bad debt risk maximizing accounts receivable collections.
• Analyze customers financial condition (credit data and financial statements) obtaining Financial Services Director authorization on customer credit lines in excess of $1.5MM but < $2.5MMM.
• Analyze customers financial condition (credit data and financial statements) obtaining Controller authorization on customer credit lines in excess of $2.5 MM but < $5MM.
• Analyze customers financial condition (credit data and financial statements) obtaining CFO authorization on customer credit lines in excess of $5MM.
• Develop models of credit information to predict patterns and trends on current customer base utilizing performance tools (SAP/D&B) to assess customers financial status and mitigate risk.
• Monitor and maintain SAP functionality as it pertains to the Credit Department to ensure an efficient and effective tool to assist the team in their daily responsibilities.
• Perform Customer Master audits and updates in SAP including maintaining business partner data input including but not limited to coordinator account assignment credit limit risk class credit block ZGR6 and payment terms.
• Manage and maintain bankruptcy process including but not limited to current and historical reporting invoice management payment management and batch creation for cash applications fees and recovery as required.
• Manage and maintain third party collection process including but not limited to current and historical reporting invoice management payment management and batch creation for cash applications fees and recovery as required.
• Manage and maintain Escheat process in conjunction with Financial Services Director Financial Services Collection Manager and Finance team including but not limited to current and historical reporting payment/credit memo management and batch creation for cash application fees and recovery as required.
• Manage and maintain weekly reporting for third party collection activities bankruptcies escheat management accounts and credit watch.
• Support all internal and external financial audit activities associated with accounts receivables ensuring all data requested is accurate and provided promptly as requested by the Finance team.
• Engages and works with FFF Sales Representatives in negotiation of customer payments and credit limits. Research and resolve customer and/or internal inquiries or disputes as it relates to the extension of credit.
• Adheres specifically to all company policies and procedures Federal and State regulations and laws.
• Display dedication to position responsibilities and achieve assigned goals and objectives.
• Must always represent the Company in a professional manner and appearance.
• Understand and internalize the Companys purpose display loyalty to the Company and its organizational values.
• Display enthusiasm and dedication to learning how to be more effective on the job and share knowledge with others.
• Work effectively with co-workers internal and external customers and others by sharing ideas in a constructive and positive manner; listen to and objectively consider ideas and suggestions from others; keep commitments; keep others informed of work progress timetables and issues; address problems and issues constructively to find mutually acceptable and practical business solutions; address others by name title or other respectful identifier and; respect the diversity of our work force in actions words and deeds.
• Comply with the policies and procedures stated in the Injury and Illness Prevention Program by always working in a safe manner and immediately reporting any injury safety hazard or program violation.
• Ensure conduct is consistent with all Compliance Program Policies and procedures when engaging in any activity on behalf of the company. Immediately report any concerns or violations.
• Other duties as assigned.

Education Knowledge Skills and Experience

Required Education:

• Bachelors Degree in in Business Accounting Healthcare Administration or a related field of study.

Required Knowledge:

• Excellent knowledge of credit and collection principles such as credit exposure risk monitoring bankruptcy laws corporate credit applications and analysis dealing with a tangible product (vs. a financial product).
• GAAP and applied accounting principles in the interpretation of customer financial statements with strong attention to detail and accuracy.
• Must have knowledge of accounting principles used in the interpretation of customer financial statements.
• Must have working knowledge and be familiar with various forms of Bankruptcy including record keeping.

Required Experience:

• Must have seven (7) or more years of Credit and Collections experience including analysis of customers financial condition along with their D&B Report and the authorization of customer credit limits for a tangible product.
• Must have five (5) or more years of experience utilizing Microsoft Office (advanced level) SAP D&B Internet and related computer skills.
• Must have experience and working knowledge dealing with 3rd party collection agencies.

Preferred Experience:

• Healthcare industry experience preferred.

Required Skills:

• Must have strong organizational skills.
• Must have a detail orientation and the proven ability to prioritize work.
• Must have effective verbal and written communication skills.
• Must have the ability to work with limited supervision and as part of a team.
• Sound decision-making abilities.
• Proven advanced Microsoft Office Suite skills SAP D&B Internet and related computer skills.
• Ability to analyze a Dun and Bradstreet report required in determining a customers financial condition.
• Ability to effectively secure prompt payment from customers while employing commercial sensitivity business acumen and good judgment.