Credit Analyst II

Position Summary

Role and Responsibilities

Position Summary

The employee will manage an assigned portfolio of accounts, applying the company’s credit practices and procedures. The employee will be responsible for continuous monitoring of their account portfolio, ensuring that credit limits are sufficient, alerting team leads to financial downturns, and suggesting credit actions or other risk-mitigating solutions. The employee will also be responsible for the initial risk analysis and setup of new accounts, working with various external teams to ensure appropriate documents are collected and accurate. Additionally, the position will require reporting both assigned and ad hoc reports that will be distributed within the group as well as to a broader audience.

Key Responsibilities

• Manage the commercial credit risk for an assigned portfolio of accounts (40-60 accounts)
• Complete credit reviews and assigned tasks on a timely basis
• Use credit risk analysis skills along with available risk assessment tools and third-party data to analyze and recommend limits for existing and new account requests
• Build strong relationships with: the Customer for periodic financial updates; Sales for forecasts and business needs; Legal to ensure proper documents are in place; Collection to ensure payments are made promptly; and ongoing interaction with Tax, Accounting, Order Management, and Supply Chain
• Contribute to workflow improvements within the Credit Risk team
• Assist in producing and maintaining recurring credit risk reports, including: End of Month, Watch List, AR Forecast, Quarterly Report, Aged Trial Balance, Coface Rating, UCC Quarterly, Inventory Finance rates

Skills and Qualifications

Qualifications:

• Bachelor’s degree in Accounting, Finance, Business, or Economics
• Minimum 4-6 years in a similar field or related work experience
• Strong financial statement analysis, liquidity analysis, and risk assessment skills
• Knowledge of hedging options such as AR trade insurance, inventory finance, UCC liens, Letter of Credit, and cash collateral. Experience with D&B reports and other trade data is a plus
• Knowledge of bank facility structure, covenants, ABL, interest rates, and bank trade references
• Experience with SAP or similar ERP system preferred

Necessary Attributes & Skills

• Solid analytical and problem-solving skills
• Ability to identify discrepancies and inconsistencies
• Strong attention to details is of paramount importance in this role
• Diplomacy and ability to deal with difficult situations
• Excellent Oral & Written Communication Skills
• Solid Microsoft Office skills (Word & Excel) V-lookup and Pivot tables (Macros a+)
• AI tool implementation and usage skills in the job function preferred
• Attitude towards work and timeliness in completing daily tasks

Life @ Samsung - https://www.samsung.com/us/careers/life-at-samsung/

Benefits @ Samsung - https://www.samsung.com/us/careers/benefits/

Regular full-time employees (salaried or hourly) have access to benefits including: Medical, Dental, Vision, Life Insurance, 401(k), Employee Purchase Program, Tuition Assistance (after 12 months), Paid Time Off, Student Loan Program (after 12 months), Wellness Incentives, and many more.  In addition, regular full-time employees (salaried or hourly) are eligible for MBO bonus compensation, based on company, division, and individual performance.

To ensure a fair and transparent recruitment process, please do not use GenAI tools during your interview unless explicitly permitted; failure to adhere to these guidelines may result in disqualification from the recruitment process.

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