Credit Specialist

This is a fully remote position, open to applicants in United States.

📋 Description

• Assess creditworthiness and risk for customers in Ryder's Rental, National Rental, and Freight Management Group.

• Deliver insightful analysis, recommendations, and enhancements to processes.

• Offer credit and business suggestions to local management to foster sales revenue growth while managing risk.

• Collaborate with Rental, National Rental, and FMG sales teams on credit requests for new clients and increased credit limits.

• Support lease analysts with initial credit evaluations for assignees and assignors.

• Gather Ryder documentation, including TLSA, nfusion data, and Ryder's historical records.

• Examine credit reports, Ryder's and company history, and financial statements.

• Assess customer credit deterioration and reassess desired exposure and appropriate credit limits.

• Create action plans to decrease rentals when necessary.

• Engage with stop loss, collections, sales, and operations teams regarding problematic or high-risk accounts.

• Confirm essential customer documentation and security, including ACH amendments, cash deposits, ILOCs, and guarantees.

• Monitor the Credit Hold Mailbox daily to ensure accurate information is conveyed.

• Assist with miscellaneous departmental tasks and carry out other assigned responsibilities.

⛳️ Requirements

• A bachelor's degree in business, finance, or accounting, or 3 years of equivalent business experience.

• At least two (2) years of experience in commercial credit.

• A minimum of two (2) years of experience in financial statement analysis is preferred.

• Proficiency in analyzing and interpreting financial data.

• Capability to complete spreads, analyze trends, and evaluate credit risks.

• Ability to manage work queues, emails, and calls from various sources.

• Strong verbal and written communication abilities.

• Capacity to work autonomously as well as collaboratively within a team.

• Skill in making responsible credit decisions.

• Competence in assessing situations, gathering information, identifying key issues, and structuring deals to minimize risk and enhance sales.

• Exceptional judgment and decision-making capabilities.

• Detail-oriented with robust follow-up skills.

• Intermediate proficiency in Microsoft Office applications, such as Excel, Word, PowerPoint, and Access.

• Intermediate familiarity with credit software and credit scoring systems like Cortera or Equifax.

• Willingness to travel 1–10% of the time.

🏝️ Benefits

• Medical insurance.

• Prescription coverage.

• Dental insurance.

• Vision insurance.

• Life insurance.

• Disability insurance.

• Paid time off for vacation, illness, bereavement, family, and parental leave.

• Tax-advantaged 401(k) retirement savings plan.

• Eligibility for annual bonuses, commissions, and/or long-term incentive plans may apply.

• Remote work arrangement.