Credit Risk Analyst

Ewing Outdoor Supply•Phoenix, AZ

9d•$65,000 - $75,000

About The Position

The Credit Risk Analyst is responsible for overseeing the entire Mechanics Bond and Lien process to ensure we are meeting timelines. This position will minimize bad debt by staying informed and maintaining contact with customers, while identifying customers and jobs that have potential of becoming delinquent. Based on established risk assessment guidelines, the analyst supports the onboarding of new customers by determining appropriate credit limits, terms, and approval conditions. The Credit Risk Analyst will report to the Senior Credit & Collection Manager. The job performance of the Credit Risk Analyst will be evaluated based upon their effectiveness in executing the duties and responsibilities below.

Requirements

Experience working with ERP Systems
Minimum 2 years commercial Bond and Lien management experience
Strong PC skills - word processing/spreadsheets
Microsoft Office (Excel, Word, and Outlook
Strong communication skills - Able to articulate and express ideas effectively using written and verbal communication skills along with collaboration and teamwork across the department.
Problem solving skills – be able to analyze issues that occur and correct them in real time
Strategic thinking – Demonstrates ability to implement new technologies effectively and work in compliance with all procedures, rules, and regulations
Detail oriented – demonstrates quality and effectiveness in work documentation and organization.
Self-motivated – demonstrates the ability to complete tasks with little supervision and able to grasp new concepts quickly

Responsibilities

Receive, review and process credit applications from customers or relationship officers
Prepare, file, track, and release mechanics’ liens, bond claims, and related notices in accordance with applicable laws and deadlines
Manage surety bonds, including bid bonds, performance bonds, and payment bonds
Review contracts and project documentation to identify bond and lien requirements
Monitor lien waivers and ensure proper execution and compliance
Coordinate with legal counsel, project managers, accounting, and external parties to resolve lien or bond-related issues
Maintain accurate records and documentation for all bonds, liens, and releases
Ensure compliance with state and federal lien laws and bonding regulations
Respond to bond and lien inquiries from internal and external stakeholders
Assist with audits, disputes, and claims related to bonds and liens
Generate reports on bond and lien status for management review
Overseeing day to day operations of the entire bond and lien process
Communication with credit staff, field staff and customers
Reviews and authorizes lien waivers, distributes accordingly to owners, GC’s, etc.
Monitors and maintains all job line transactions utilizing Levelset system reports
Responds to lien/bond inquiries via email/phone
Verification of job lines on customer accounts utilizing available technology and search strategies
Job Account maintenance: work closely with credit reps regarding noticeable jobs and address any issues
Facilitate solutions for customer discrepancies
Negotiate with Surety, General Contractors and possibly owner
Support AR & Credit in best practices, investigations, damage claims, price errors, check reconciliation, billing errors, service charges and research
Gauging customer credit risk and business opportunity
Dealing with sensitive issues involving key accounts
Improving asset protection
Verify customer information, documentation, and credit history
Ensure applications comply with internal credit policies and regulatory standards
Input and maintain accurate customer and credit data in credit systems
Identify missing or inconsistent information and follow up with relevant parties
Coordinate with credit analysts, sales teams, and risk units for approvals
Track application status and ensure timely processing and reporting
Maintain proper records and documentation for audit and compliance purposes
Other duties as assigned
Conduct yourself with professionalism in all communication with fellow employees, customers, vendors, and management.
Attend and participate in company meetings.
Read and contribute to Company communications, including (but not limited to) the Branch Briefs, President’s Messages, regional newsletters, etc.
Champion Ewing culture and commitment throughout all business activities.
Collaborate effectively with the team.
Actively participate in continual growth by completing goals on their Individual Development Plans (IDPs).
Participate in regular performance reviews
Continually update your personal and professional knowledge, skills, and abilities by participating in ongoing educational opportunities as determined in collaboration with the ---(manager or supervisor role)