Analyst-Credit

Trane Italia • Davidson, NC

8d • Hybrid

About The Position

As a world leader in creating comfortable, sustainable, and efficient climate solutions, Trane Technologies is committed to putting the planet first. The Credit Analyst is a key part of the Corporate Credit Center of Excellence (COE) within the regional Credit Center of Excellence organization, responsible for managing customer credit risk evaluation and escalation for the accounts receivable portfolio across all Trane Technologies business units in North America. The ideal candidate will have experience in customer credit risk assessment and mitigation tools, be open to adopting new processes, and act as a change agent. This individual must be a self-starter, driven for results, and capable of working effectively with sales and business unit leadership, as well as negotiating with customer leaders (CEO, CFO etc.). The role offers a hybrid work model: Monday to Thursday onsite, and Fridays with flexible work location.

Requirements

• Must have BS/BA in Finance, Accounting, or similar field.
• Must have 5+ years of credit risk experience.
• Experience must include extensive customer contact, financial statement analysis (including the spreading of financial statements) and risk mitigation using various types of collateral.
• Ability to work with Sales organization to drive profitable revenue growth, including the structuring of accounts with difficult credit profiles.
• Strong communication skills proving a proven ability to lead through influence.
• Effective personal and interpersonal skills.
• Must be at ease interacting with sales & business unit leadership to effectively communicate credit’s position when debating the merits of a transaction.
• A good working knowledge of Microsoft products.
• Aptitude for use of enterprise systems such as Oracle.

Nice To Haves

• Experience with various types of collateral (UCC-1, Security Agreements, Personal & Corporate Guarantees, Stand-by Letter of Credit) -- Bond & Lien experience is a plus.

Responsibilities

• Evaluate larger and more complex customer credit reviews for North America.
• Primary review, recommendation, and approval of customer credit lines.
• Manage the customer credit line annual review process for a portfolio of accounts to ensure regional risk is fully vetted and mitigated while ensuring compliance with corporate credit policies.
• Act as the point person to answer audit requests for information for your area of responsibility.
• Manage new customer account requests to establish appropriate credit limits and assess the use of appropriate risk mitigation tools/credit enhancements to achieve the appropriate level of risk.
• Manage within a given Level of Authority (LOA) and escalate when appropriate.
• Participate in credit risk training when necessary.
• Represent the credit center of excellence in support of business initiatives as a subject matter expert with regard to systems, forms, processes, and procedures used in the granting and maintenance of credit.
• Visit customers & sales staff periodically to build effective business partnerships.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior