Senior Credit Analyst, Sensitive Risk Manager

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

📋 Description

• Oversee a profitable business portfolio within established guidelines, utilizing effective credit analysis methods.

• Conduct financial and credit evaluations to establish suitable company credit ratings.

• Perform buyer visits or conduct telephone interviews to gather essential portfolio-monitoring data.

• Keep track of high-risk buyers and seek proprietary information for the EHNA database.

• Build and maintain relationships with Finance Directors and treasurers through visits, calls, and written communication.

• Consistently assess buyers within authority and provide detailed recommendations for those outside authority.

• Communicate underwriting requirements with Sales Agents, Commercial Underwriters, and/or clients regarding industry forecasts and target markets.

• Generate industry sector forecasts using both public and proprietary data to identify market trends.

• Report directly to the head of SRU.

• Develop and implement comprehensive risk monitoring plans, including review dates, follow-ups, and updates.

• Create periodic detailed reports for both internal and external stakeholders, ensuring necessary follow-up actions are taken.

• Monitor, notify, and suggest enhancements for the early detection of deteriorating risks or buyers at risk of default.

• Propose buyer-specific risk underwriting strategies to minimize defaults while enhancing customer satisfaction.

• Identify and employ risk reduction and mitigation strategies on a case-by-case basis.

• Communicate effectively with buyers and policyholders to support the defined risk strategy.

⛳️ Requirements

• Bachelor's degree in business administration, Economics, or Finance.

• MBA is preferred.

• 4-7 years of financial management experience in banking, credit insurance brokerage, or a credit insurance environment.

• Proficient computer skills, with knowledge of financial software and spreadsheet applications.

• Strong understanding of Financial Statements.

• Excellent analytical abilities.

• Interpersonal skills suitable for high-level business meetings, both internally and externally.

• Exceptional written communication skills.

• Computer literate and proficient in Microsoft Word and Excel.

• Effective time management skills.

• Bilingual candidates are preferred.

• Knowledge and experience in credit analysis and high-volume risk underwriting.

• Understanding of the local economic market.

• Expertise in a specific region and/or trade sector.

• Strong financial analysis skills with solid knowledge in Finance and Credit Management.

• Experience and proficiency in buyer assessment.

🏝️ Benefits

• Competitive compensation.

• Eligibility for annual bonuses and/or commission structure opportunities.

• 401(k) discretionary match of up to 6%.

• Flexible work schedules.

• Health and wellness benefits.

• Paid time off for vacation, illness, Birthday Day Off, and Volunteer Day Off.

• Tuition Reimbursement.

• Family care resources, including fertility and adoption benefits.