Senior Credit Analyst

Responsibilities

• Review credit applications by pulling credit reports, requesting trade references, and evaluating financial statements and other relevant information to make complex credit decisions with limited oversight that promote customer sales growth while managing risk within San Mar’s guidelines.
• Evaluate existing customer credit files, requesting and evaluating financial statements, account history, competitor analysis, and additional options that may be required to facilitate increased credit terms such as personal guaranties and letters of credit.
• Communicate with San Mar’s customers to learn more about their business, request information, negotiate, and provide options that may assist with achieving mutually successful results.
• Communicate with internal teams, sharing results of credit reviews, and provide guidance as necessary to assist those teams in their efforts that are impacted by the credit review.
• Review custom orders, determining deposits and terms for these orders, and maintain custom order record keeping in the custom order log.
• Monitor and provide reporting on specific customers and customer segments.
• Maintain customer account information in San Mar’s databases.
• Perform other duties as assigned.
• Comply with all policies and standards.

Requirements

• 7-9 years of related credit or account receivable experience or a mix of education and experience.
• Experience working with credit portfolios within the B2B field is preferred.
• Expertise in financial analysis, risk management and decision making, identifying solutions aligned with the objectives of the organization.
• Experience in financial analysis as part of the credit evaluation process.
• High level of competency with computer and software applications.
• Excellent communication skills.
• Excellent time management and organization skills; to effectively reach goals of team, department and company.
• Strong negotiating skills – ability to achieve positive results.
• Ability to communicate effectively with diplomacy and tact.
• Ability and willingness to learn.
• Strong analytical and problem‑solving skills.
• Must be able to work as part of a team and be self‑directed with minimal supervision.
• Approachable and flexible, demonstrating the ability to change directions quickly and positively, recognizing opportunities to reach mutually beneficial solutions.
• Core Competencies

Demonstrates expertise in financial analysis and risk management to make informed credit decisions while effectively communicating with customers and internal teams.

Proven ability to negotiate terms and maintain accurate customer account information within a B2B credit portfolio.

• Highest‑signal resume keywords
• Financial Analysis
• Risk Management
• Credit Evaluation
• Negotiation Skills
• B2B Credit Portfolio Management
• Hard Skills
• Credit Analysis
• Financial Statement Evaluation
• Risk Assessment
• Data Reporting
• Credit Decision Making
• Soft Skills
• Excellent Communication Skills
• Time Management
• Organizational Skills
• Analytical Problem‑Solving
• Team Collaboration
• Industry Keywords
• Credit Applications
• Account Receivable
• Customer Segmentation
• Custom Orders
• Tools & Technologies
• Database Management
• Credit Reporting Software
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