Senior Credit Analyst – Sensitive Risk Manager

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

📋 Description

• Actively oversee a buyer portfolio by collecting data and evaluating buyers based on established targets through manual grading.

• Maintain a profitable business portfolio within agreed parameters utilizing effective credit analysis techniques.

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

• Perform buyer site visits and phone interviews to gather essential portfolio-monitoring data.

• Keep track of high-risk buyers and gather proprietary information for the EHNA database through connections with Finance Directors and treasurers.

• Leverage available information to consistently grade buyers within authority and make recommendations when outside authority limits.

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

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

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

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

• Monitor and alert on increasing risks or buyers who may default.

• Suggest risk underwriting strategies for specific buyers to reduce default risks while enhancing 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 identified 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 within a credit insurance context.

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

• Strong understanding of Financial Statements.

• Excellent analytical abilities.

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

• Outstanding written communication skills.

• Computer literate and proficient in Microsoft Word and Excel.

• Effective time management skills.

• Bilingual candidates preferred.

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

• Understanding of the local economic environment.

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

• Strong financial analysis skills; comprehensive knowledge of Finance and Credit Management.

• Expertise and experience in buyer assessment.

🏝️ Benefits

• Competitive compensation.

• Annual bonus eligibility and/or opportunities for commission structure.

• 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.