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 parameters by employing effective credit analysis techniques.

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

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

• Keep track of high-risk buyers and obtain confidential information for the EHNA database.

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

• Leverage available information to consistently evaluate buyers within your authority and suggest recommendations for those outside your authority.

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

• Develop industry sector forecasts utilizing public and proprietary data to identify market trends.

• Report to the head of SRU as the leading SRM expert.

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

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

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

• Propose risk underwriting strategies for individual 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 ensure consistent messaging in support of the 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.

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

• Strong understanding of financial statements.

• Exceptional analytical abilities.

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

• Outstanding written communication skills.

• Proficient in Microsoft Word and Excel.

• Effective at managing time efficiently.

• Bilingual candidates are preferred.

• Knowledge and experience in credit, with a focus on high-volume risk analysis and underwriting.

• Familiarity with the local economic environment.

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

• Strong financial analysis skills; solid knowledge of finance and credit management.

• Expertise and experience in buyer assessment.

🏝️ Benefits

• Competitive salary.

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

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

• Flexible work hours.

• Health and wellness benefits.

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

• Tuition reimbursement options.

• Family care resources, including fertility and adoption benefits.