Analyst, Credit Experienced

CHS, Inc.•Mitchell, SD

2d•Hybrid

About The Position

CHS is hiring an Experienced Credit Analyst to join its finance team. The Experienced Credit Analyst will evaluate customer creditworthiness, manage assigned credit portfolios and make recommendations that help protect CHS from financial risk while supporting business growth. This role partners closely with customers and internal business teams to establish appropriate credit terms, monitor account balances, negotiate collateral requirements and resolve moderately complex credit matters. The ideal candidate brings strong financial analysis, sound judgment, negotiation skills and a customer-focused approach. This is a hybrid position based in Mitchell, SD.

Requirements

High School diploma or GED
2+ years of experience in Finance, Accounting and/or Credit
Proficient in MS Office suite
Strong critical thinking, financial analysis and decision making skills
Strong negotiation and communication skills, both verbal and written
Demonstrated ability to collaborate with business partners, build and maintain positive customer relationships, and provide excellent customer service

Nice To Haves

Bachelor's degree preferred in Finance, Accounting, Statistics, Economics, Business, Business Administration, or related field

Responsibilities

Manage third party financing activity, including applications, advances, and payments for internal and external lenders.
Perform pre-sale credit risk evaluations on new customers, with emphasis on financial statement analysis as well as evaluation of data obtained from bank and trade references.
Conduct financial credit evaluations on assigned portfolios of customers, identifying key risk elements for each account, assign risk ratings and recommend appropriate action to reduce risk to CHS when warranted.
Approve credit line amounts within assigned authority level.
Manage customer account balances to their approved credit line amounts.
Negotiate collateral\security requirements with customers.
Coordinate with the Collections and the Legal departments on delinquent accounts in order to optimize CHS cash flow.
Critically and logically evaluate the costs, risks and benefits of alternative actions before making decisions.
Resolve moderately complex credit problems and confer with management on highly sensitive accounts.
Participate in special projects enhancing the department effectiveness by leveraging technology and the integration of Accounts Receivable portfolio with risk assessment tools.
Maintain and promote a strong safety culture and follow all safety policies, procedures and regulations. Identify and communicate workplace hazards and correct or seek assistance in correcting unsafe actions or conditions.
Perform other responsibilities as needed or assigned.