Senior Credit Analyst

The Senior Credit Analyst will ensure exposure and risk to Riggs Cat is limited by obtaining financial data for the use of maintaining records and making sound business decisions while assisting Client and Riggs personnel in facilitating the sale of our products.

WHAT YOU'LL DO

· Conduct research and analysis of routine financial and credit statements to determine credit worthiness of credit applications and set appropriate credit limits based on current policy

· Enhance the overall cash flow of the company by collecting on open charge accounts in a timely manner while maintaining a professional relationship with the customer. Coach and assist Credit Analysts with their accounts and related issues.

· Assist customers with outside sources of credit (primarily CAT Commercial Accounts) to obtain financing and other extensions of credit to facilitate the sale

· Assist Credit Manager and work independently in the formulation and enforcement of credit/collection policies and procedures; UCC process, property and legal records search, knowledge of lien process and time line, enhanced skip tracing and research abilities.

· Develop and maintain a strong working relationship with managers and sales personnel and serve as a resource for financing and merchandising programs

· Have a strong working knowledge of various governmental regulations related to credit, including tax regulations

· Identify potential problem accounts and collecting these accounts using various tools/means of communication. Take the lead on working and resolving accounts with large balances that become delinquent.

· Maintain and update customer records

· Ad-Hoc projects as assigned

WHAT YOU'LL NEED

· 10 years commercial collections experience required- preferably in construction/heavy equipment

· Basic knowledge of general accounting

· Technical skills in account reconciliation, credit extensions, payment plans, etc.

· Strong computer skills

· Strong Microsoft Office skills

· Exceptional analytical and problem-solving abilities

· Detail oriented

· Ability to work and interact with departments throughout the organization

· Willingness to learn

· Strong communication skills, even in tough conversations

· Bilingual is a plus!

IMPORTANT INFORMATION

While performing the duties of this job, the employee is regularly required to sit, talk or hear. The employee is occasionally required to stand and walk. The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually quiet.

Required travel up to 10%.

This position is not considered a safety sensitive position.

The Job description is subject to change by the employer as the needs of the employer and requirements of the job change.

EEO/AA

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Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)