Ryder System Credit Analyst in Helena, Montana
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The Credit Analyst will perform a variety of functions required to provide financial worthiness and mitigate risk to Ryder's portfolio of customers.
Works with sales group on outstanding deals for adds, replacements and extension in the Lease and DCC product lines
Reviews credit reports, Ryder and company history, and does deep dive financial analysis, reviewing year to year trends as well as possible interim financial statement review
Use industry financial benchmark statistics in order to approve or decline the request from the field for the investment and revenue of the deal as well as the customer exposure.
Submits executive reviews to senior management and recommends appropriate structure to mitigate risk on high dollar or high risk customers
Performs annual review on customer's financial statements to determine any deterioration of their financial condition and re-evaluate the desired exposure, determining the proper credit line as well as an action plan to reduce our exposure if needed
Communicates to stop loss, collections, sales and operations on problem or high risk accounts by e-mail or conference calls to advise of potential loss
Identifies industry risk by critiquing our write-offs by SIC code and payment trends of our customers
Evaluate our customer portfolio mix by reviewing customer's credit score and stratification to possibly re-assess our credit scorecards. Will review Ryder's customer's financial condition in order to properly set credit lines for receivable exposure, reducing or recommending an increase in services as needed. Also assist Treasury and Finance on reviewing certain industries/customers such as automotive or supplier reviews
Works on continual improvement processes with our Cortera Systems
Prepare documents and participate in Credit Committee calls on Business Decisions with Sr. Credit Manager, CFO and Sales Management
Train other Jr. Analysts on Financial Analysis or other credit processes
Assist with Ad hoc tasks required within the department
Performs other duties as assigned.
Skills and Abilities
Demonstrates analytical skills
Ability to complete spreads, analyzing trends and assessing credit risks
Capable of multi-tasking, highly organized, with excellent time management skills
Strong verbal and written communication skills
Ability to create and maintain professional relationships within all levels of the organization (peers, work groups, customers, supervisors)
Ability to work independently and as a member of a team
Flexibility to operate and self-driven to excel in a fast-paced environment
Detail oriented with excellent follow-up practices
Bachelor's degree required in Business, Finance Accounting or 7 years equivalent Business work experience
Three (3) years or more related work experience required
DOT Regulated: No
Job Category: Credit & Collections
Ryder is proud to be an Equal Opportunity Employer and Drug Free workplace. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, sexual orientation, gender identity, age, status as a protected veteran, among other things, or status as a qualified individual with disability.