Financial Analyst

Summary

Posted: Mar 17, 2025

Weekly Hours: 40

Role Number:200594855

Imagine what you can do here. Apple is a place where extraordinary people gather to do their lives best work. Together we create products and experiences people once couldn't have imagined, and now, can't imagine living without. It's the diversity of those people and their ideas that inspires the innovation that runs through everything we do.

Description

APPLE INC has the following available in Cupertino, California and various unanticipated locations throughout the USA. Utilize ACS (Apple Credit Scoring) model to input financials and the models created to generate a rating to further evaluate eligibility. Utilize internal systems such as GMACC, SAP, Tableau to ensure source data records are accurate and prepare reporting. Assess credit limit requirements and recommend new credit limits or changes in limits that are appropriate for customers' risk profile, utilizing specific techniques adopted from corporate banking credit evaluation training. Lead relationship on a select number of credit-challenged accounts in the U.S. and Canada portfolio. Utilize proprietary Apple tools to analyze financials and assess credit worthiness of corporate customers, with specific focus on the telecommunications, distribution and electronic retail sectors. Liaise with several internal teams and functional partners including Sales, O2C, GBS, and legal to continuously be aligned with business strategy. Implement best practices across regional and WW credit teams, and drive improvement in execution projects. Domestic Travel Required 10%. 40 hours/week. At Apple, base pay is one part of our total compensation package and is determined within a range. This provides the opportunity to progress as you grow and develop within a role. The base pay range for this role is between $107,300 - $161,300/yr and your base pay will depend on your skills, qualifications, experience, and location. PAY & BENEFITS: Apple employees also have the opportunity to become an Apple shareholder through participation in Apple's discretionary employee stock programs. Apple employees are eligible for discretionary restricted stock unit awards, and can purchase Apple stock at a discount if voluntarily participating in Apple's Employee Stock Purchase Plan. You'll also receive benefits including: Comprehensive medical and dental coverage, retirement benefits, a range of discounted products and free services, and for formal education related to advancing your career at Apple, reimbursement for certain educational expenses - including tuition. Additionally, this role might be eligible for discretionary bonuses or commission payments as well as relocation. Learn more about Apple Benefits: https://www.apple.com/careers/us/benefits.html. Note: Apple benefit, compensation and employee stock programs are subject to eligibility requirements and other terms of the applicable plan or program. Apple is an Equal Employment Opportunity Employer that is committed to inclusion and diversity. We also take affirmative action to offer employment and advancement opportunities to all applicants, including minorities, women, protected veterans, and individuals with disabilities.

• Master's degree or foreign equivalent in Finance or related field and 3 years of experience in the job offered or related occupation.
• 3 years of experience with each of the following skills is required:
• Experience in commercial banking underwriting and portfolio management
• Due diligence, deal structuring, financial modeling, sensitivity analysis, credit underwriting, and documentation negotiation
• Direct credit experience in underwriting and management of pre-profit, mid and late-stage technology companies and large global enterprises
• Evaluating loans with complex structures, including asset-based, junior lien and venture debt
• Experience using commercial lending software and credit research tools, including Moody's, D&B, and S&P's Capital IQ
• Leading internal and external credit-related communications, providing succinct credit analysis and recommendations to internal stakeholders, and collaborating and negotiating with customers' finance leaders
• Conducting portfolio management, including financial spreading, forecasting, and modeling
• Leading collateral management, negotiation, and documentation for the portfolio

• N/A

• Apple is an equal opportunity employer that is committed to inclusion and diversity. We take affirmative action to ensure equal opportunity for all applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, Veteran status, or other legally protected characteristics. Learn more about your EEO rights as an applicant.