Senior Credit Analyst

At Johnson & Johnsonwe believe health is everything. Our strength in healthcare innovation empowers us to build aworld where complex diseases are prevented treated and curedwhere treatments are smarter and less invasive andsolutions are our expertise in Innovative Medicine and MedTech we are uniquely positioned to innovate across the full spectrum of healthcare solutions today to deliver the breakthroughs of tomorrow and profoundly impact health for more at .

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Job Summary

The Senior Credit Analyst is responsible for evaluating the creditworthiness of potential and existing clients. They analyze financial data to determine appropriate credit limits and risk categories playing a key role in safeguarding the companys financial health.

Key Responsibilities

• Credit Analysis:

  • Perform thorough credit evaluations and risk assessments for new and existing customers utilizing financial statements credit bureaus and industry trends. Manage large volume annual portfolio reviews and credit limit assessments efficiently.

  • Propose appropriate credit limits and risk category based on detailed analysis and risk assessment.

  • Process adhoc credit change requests on new and existing high-value accounts and work closely with Collections and Commercial Team for required timely documentation.

  • Develop and maintain credit scoring models and exposure at default (EAD) assumptions.

• Risk Management: Develop implement and monitor credit policies and procedures to minimize financial risk and maximize profitability.

• Reporting: Prepare monthly reports such as Credit Limit Edit Report Payment Terms and Baseline Date Edit Report

• Collaboration: Partner with stakeholders such as the Collections Team Commercial Team and Business Finance/CFO to inform credit decisions and communicate customer risk.

• Mentorship : Training and mentoring Junior Credit Analysts and contribute to process improvements and automation efforts.

• Project: Initiate and lead credit risk projects ensure it is delivered on-time within scope and within budget

Required Qualifications:

Education: Bachelors degree in Accounting Finance or a related field; CPA MBA preferred.

Experience: At least 2 years of experience in commercial credit analysis credit risk management. Strong financial statement analysis skills and advanced proficiency in Microsoft excel.

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