Summary
The Senior Credit Analyst plays a critical role in the financial and risk assessment of customer credit applications and ongoing customer relationships. This role communicates regularly with the business and customers to ensure accurate account statements and timely collections of amounts due to the Company. Additionally, the Senior Credit Analyst works with less experienced Credit Analysts to ensure positive performance for the Credit and Collections team.
Essential Functions
Credit Risk Assessment & Underwriting
Conduct thorough credit underwriting for new and existing customers by evaluating credit information from banks, trade creditors, and credit reports to ensure appropriate credit limits.
Analyze financial data and creditworthiness to support informed credit decisions.
Collections & Account Management
Maintain regular contact with customers to ensure accounts receivable remains current.
Address any past-due amounts promptly, working with customers to achieve quick resolution.
Process, follow up, and resolve inbound collection and customer service telephone inquiries in a timely manner.
Maintain comprehensive tracking and documentation of all customer interactions.
Delinquency Resolution & Escalation
Act decisively by making timely recommendations to the Manager of Credit & Collections.
Propose efficient and effective corrective actions to resolve delinquency, bring accounts up to date, or take necessary steps to ensure satisfactory resolution.
Lien Rights & Compliance
Collaboration & Relationship Management
Work in a team-oriented environment that requires communicating positively and professionally with fellow employees, customers, and vendors.
Establish and maintain positive working relationships.
Support and mentor less experienced Credit Analysts to drive team performance.
Education & Experience
Required
5+ years of experience as a Credit Analyst or in a similar financial analysis role.
Strong knowledge of financial analysis techniques, credit risk assessment, and credit underwriting principles.
Preferred
Skills & Competencies
Financial & Analytical Expertise
Familiarity with credit bureau reports and credit scoring models.
Proficiency in using financial analysis software and tools.
Excellent analytical skills with a keen attention to detail.
Communication & Relationship Management
Strong written and verbal communication skills, with the ability to present complex financial information in a clear and concise manner.
Ability to work independently and collaborate effectively with cross-functional teams.
Compliance & Business Acumen
If you like working with a growing close knit team and helping home owners design the home of their dreams, come build your career with us!
