Credit Advisor

Cardinal Health•Dublin, OH

4d•Hybrid

About The Position

Finance oversees the accounting, tax, financial plans and policies of the organization, establishes and maintains fiscal controls, prepares and interprets financial reports, oversees financial systems and safeguards the organization's assets. Credit is responsible for managing Cardinal Health's trade and note receivables including performing credit underwriting, establishing bad debt reserves, managing customer relationships, collaborating with the sales and collections teams, managing credit risk for the company, and administering credit policies and standards.

Requirements

Bachelor's degree in related field, preferred, or equivalent work experience, preferred
3-8 years of experience in credit related field, preferred
Experience with MS Excel
Commercial or trade credit underwriting experience
Experience providing credit risk analysis and financial statement analysis
Knowledge of credit and/or collection practices which can include debt repayment, dispute resolution, risk mitigation, etc.
Possesses and exhibits strong business acumen of credit underwriting
Ability to communicate directly with internal and external counsel, customers and third-party entities
Strong interpersonal, verbal and written communication skills.
Ability to communicate effectively and interact with personnel at all levels of technical ability and expertise.
Ability to learn and effectively navigate a variety of financial systems

Responsibilities

Provide Credit risk analysis review and executive summary of new and existing complex customers, emphasis on understanding entity structure and ownership, financial statement analysis and risk identification, mitigate customer risk. Analysis will encapsulate all aggregate business exposure within Cardinal.
Credit risk analysis and portfolio monitoring within wide range of customer class of trade and industry. Customers include but not limited to retail pharmacies, community health centers, retail chain, mail order, managed care, hospitals, specialty pharma, and medical distributors.
Make trade credit decisions for new and existing customers, both secured and unsecured.
Collaborate with Collection teams regarding risk mitigation, support around AP and finance contacts, and monitoring of aggregate trade exposure levels versus approvals.
Communications and collaboration with sales organization to support new and existing customer base.
Relationship building with external customer-finance contacts.
Communicates directly with internal and external counsel, customers and third-party entities to appropriately understand and structure contracts to mitigate credit risk.
Gathers and synthesizes information from a variety of sources (i.e. financial statements, reports), makes effective credit decisions, and documents decisions appropriately.
Organizes workload effectively, proactively works with customers to ensure commitments are met, and raises issues and recommendations to management.
Demonstrates knowledge and understanding of financial concepts which includes establishing appropriate bad debt reserves.
Diplomatically resolve conflict and maintain positive customer relationships.
Possesses and exhibits strong business acumen of credit underwriting.