Credit Advisor

Cardinal Health

1d•Remote

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. The Credit Advisor is responsible for evaluating, structuring, and monitoring commercial credit exposure across a complex B2B portfolio. This role focuses on underwriting discipline, contract evaluation, portfolio analytics, and cross-functional risk alignment (not collections execution). This role partners closely with Sales, Finance, Legal, Contracting, and Operations to ensure credit decisions align with risk appetite, compliance standards, and working capital objectives.

Requirements

Bachelor's degree in related field, or equivalent work experience, preferred
4-6 years of commercial underwriting experience within banking, manufacturing, or B2B distribution industry, preferred
Strong understanding of financial statement analysis, credit structuring and risk rating methodology
Familiarity with Order-to-Cash workflows and portfolio analytics, preferred
Experience with MS Excel
Strong executive communication skills
Experience supporting compliance and contract risk evaluation, preferred
SAP experience, strongly preferred
Exposure to healthcare or regulated industries, preferred
Experience working within multi-entity or multi-business-unit structures, preferred
Portfolio stress testing and exposure aggregation analysis, preferred
Experience working cross-functionally across Finance, Legal, and Sales, preferred
Applies comprehensive knowledge and a thorough understanding of concepts, principles, and technical capabilities to perform varied tasks and projects
May contribute to the development of policies and procedures
Works on complex projects of large scope
Develops technical solutions to a wide range of difficult problems
Solutions are innovative and consistent with organization objectives
Completes work; independently receives general guidance on new projects
Work reviewed for purpose of meeting objectives
May act as a mentor to less experienced colleagues

Responsibilities

Commercial Credit Underwriting Perform in-depth financial statement analysis (GAAP and tax basis)
Evaluate liquidity, leverage, profitability, and cash flow adequacy
Assess debt capacity, covenant sensitivity, and stress scenarios
Assign internal risk ratings and recommend credit limits
Conduct periodic portfolio reviews and risk migration analysis
Contract & Compliance Evaluation Review customer agreements and contract terms for credit risk implications
Assess payment terms, pricing structure, rebate exposure, and compliance risk
Ensure alignment with internal risk policy and SOX control requirements
Partner with Legal and Contracting on risk-sensitive structures
Portfolio Risk & Order-to-Cash Integration Monitor exposure across business units
Analyze aging trends, DSO impact, and working capital risk
Evaluate cross-segment exposure visibility
Support structured credit decision documentation
Provide portfolio-level reporting and executive-ready summaries
Cross-Functional Collaboration Partner with Sales leadership to structure appropriate credit solutions
Work closely with Finance, Treasury, and Operations on exposure monitoring
Participate in customer-level risk discussions and strategic planning
Support continuous improvement in credit governance processes

Benefits

Cardinal Health offers a wide variety of benefits and programs to support health and well-being.
Medical, dental and vision coverage
Paid time off plan
Health savings account (HSA)
401k savings plan
Access to wages before pay day with myFlexPay
Flexible spending accounts (FSAs)
Short- and long-term disability coverage
Work-Life resources
Paid parental leave
Healthy lifestyle programs