Credit and Syndications Analyst

Oracle•United States,

32d

About The Position

Oracle Financing provides payment solutions to help customers acquire Oracle products and services. Within Oracle Financing, the Risk Management group analyzes the financial strength and credit quality of prospective Oracle business entity customers for the purpose of making credit approval decisions concerning extended payment terms. Transaction sizes range from $100 thousand on the low end to more than $50 million on the high end. The Risk Management Analyst’s primary responsibilities are to review, evaluate, and provide written analysis of the financial strength of end-user businesses to arrive at accurate credit risk ratings, provide approvals within delegated credit authority, and provide transaction structuring. Analysis will include reviewing customer financial statements, calculating financial ratios, reading financial audit footnotes, analyzing financial/industry trends, etc. The Analyst will be proficient in conducting credit due diligence calls with the CFOs of privately held companies to discuss prospective customer financial statements and obtain all required information. The Analyst will utilize leading credit analysis tools to ensure decisions are accurate.

Requirements

Extensive credit underwriting and credit decision making experience, with the credit decisions concerning enterprise business entities.
Experience with a bank or financing/leasing company with strong financial underwriting and credit decision making abilities, with direct credit authority.
Analyzing corporate credits ranging from start-up companies to large corporations.
Spreading financial reports, calculating financial ratios, reading audit footnotes, and analyzing income statements, balance sheets, and cash flow statements.
Ability to handle multiple tasks, make decisions under pressure, work independently, and provide responsive support to the sales organization.

Responsibilities

Review, evaluate, and provide written analysis of the financial strength of end-user businesses to arrive at accurate credit risk ratings.
Provide approvals within delegated credit authority.
Provide transaction structuring.
Conduct credit due diligence calls with the CFOs of privately held companies to discuss prospective customer financial statements and obtain all required information.
Utilize leading credit analysis tools to ensure decisions are accurate.