DESCRIPTION

We are looking for a talented Credit Analyst - Senior to join our team specializing in Finance in GA.

In this role, you will make an impact in the following ways:

• Enhancing Financial Planning : By preparing detailed credit reporting, planning, and forecasting, you'll provide crucial insights that drive strategic financial decisions.
• Mitigating Risks : Analyzing credit exposures and performing credit-worthiness reviews will help minimize financial risks and protect the business from potential losses.
• Supporting Business Operations : Your expertise in trade finance and credit management will support business operations, ensuring smooth financial transactions and stability.
• Standardizing Processes : By supporting the standardization of credit processes, you'll improve efficiency and consistency across the business unit.
• Monitoring Performance : Developing and producing reports to monitor Accounts Receivable performance will help maintain financial health and adherence to credit limits.
• Collaborating with Sales : Partnering with the sales/commercial function to provide credit and financial support will facilitate business growth and customer satisfaction.
• Fostering Communication : Encouraging cross-segment communication on credit issues will help develop effective risk mitigation strategies and enhance collaboration.
• Driving Improvements : Leading special projects to improve credit systems, reporting, and processes will contribute to continuous improvement and innovation within the organization.

• Financial Acumen : Utilize your understanding of key financial indicators to make informed business decisions, ensuring the financial health and stability of the entity or region.
• Nimble Learning : Embrace continuous learning by experimenting with new approaches, learning from both successes and failures to improve your skills and knowledge.
• Process Optimization : Identify and implement the most effective and efficient processes to get things done, focusing on continuous improvement to enhance productivity and performance.
• Resourcefulness : Efficiently secure and deploy resources to support business needs, ensuring optimal use of available assets.
• Self-Development : Actively seek opportunities for growth and challenge yourself through both formal and informal development channels, staying ahead in your field.
• Situational Adaptability : Adapt your approach and demeanor in real-time to meet the shifting demands of different situations, maintaining effectiveness under varying conditions.
• Valuing Differences : Recognize and appreciate the value that diverse perspectives and cultures bring to the organization, fostering an inclusive and innovative work environment.
• Credit Management : Assess customer creditworthiness and risk to support sales strategies while maximizing accounts receivable collectability and minimizing bad debts. Evaluate business opportunities to balance sales growth with financial risk management.
• Financial Analysis : Analyze financial data to identify trends, variances, opportunities, and risks. Provide insights to stakeholders to drive business improvements and ensure the integrity of financial data by investigating variances and implementing corrective actions.

• College, university, or equivalent degree in Accounting, Finance, Economics or related subject required.
• Progress toward financial certification is preferred.

• Intermediate level of relevant work experience required.

• Perform credit risk assessments on new and existing customers.
• Must have financial acumen and financial analysis experience including interpreting and spreading key financial data.
• Ability to evaluate financial statements, analyze trends, interpret credit reports, and monitor industry trends to determine the financial stability of a company.
• Responsible for preparing detailed financial risk assessments by analyzing financial data, evaluating risk, and making recommendation on a customer's creditworthiness.
• Construction Industry credit experience preferred, with knowledge in mechanics lien & bond claims, private and commercial construction projects, contractual chains, ability to navigate through purchase order and contract details, understands project milestones, draw dates, and pay apps/AIA requirements.