Senior Credit Analyst – Sensitive Risk Manager

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

📋 Description

• Proactively oversee a portfolio of buyers by collecting relevant information and evaluating them according to established targets through manual grading.

• Manage a profitable business portfolio within set parameters using effective credit analysis techniques.

• Conduct financial and credit evaluations to assign appropriate credit ratings to companies.

• Perform buyer visits or telephone interviews to gather essential monitoring information for the portfolio.

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

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

• Utilize available information to consistently assess buyers within authority limits and provide detailed recommendations outside authority.

• Liaise with Sales Agents, Commercial Underwriters, and/or customers regarding underwriting criteria, industry forecasts, and target markets.

• Generate industry sector analyses using both public and proprietary information to identify market trends.

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

• Prepare precise periodic reports for both internal and external stakeholders and carry out necessary follow-up actions.

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

• Propose risk underwriting strategies for specific buyers to minimize defaults while maximizing customer satisfaction.

• Identify and implement 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 setting.

• Strong computer skills, with a solid understanding of financial software and spreadsheet applications.

• Excellent comprehension of financial statements.

• Highly developed analytical skills.

• Strong interpersonal skills for high-level business meetings, both internally and externally.

• Exceptional written communication abilities.

• Proficient in Microsoft Word and Excel.

• Effective time management skills.

• Bilingual candidates are preferred.

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

• Familiarity with the local economic market.

• Specialized knowledge of a specific region and/or trade sector.

• Strong financial analysis skills and a solid understanding of Finance and Credit Management.

• Expertise and experience 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.