Divisional Credit Manager

Autozone • Memphis, TN

2d • Onsite

About The Position

The Divisional Credit Manager (DCM) is responsible for partnering with the International Commercial Credit Manager to help manage the Division’s portfolio of new and existing customers. Each DCM is responsible for supporting and helping grow the $650MM sales portfolio. DCMs are tasked with partnering with sales to support annual sales growth while scrutinizing financial data and analyzing/assessing risk exposures to minimize the risk of loss arising from failure of customers to repay their line of credit. The DCM should be able to provide coaching to the various functions within the field and recommendations on new business processes to improve efficiencies. The DCM assists with managing the divisional portfolio through KPI sales reports, identifying opportunities, and implementing best practices. The DCM has the authority to establish $50k lines of credit for small, regional, and large automotive repair/service concerns. The DCM is responsible for gathering all the information from the Credit functions (Credit Apps, Cash apps, Disputes, Collections, etc.) and cascading that to the appropriate field teams.

Requirements

• A minimum of 3-6 years in financial/credit analysis in a customer facing operation
• Strong analytical, organizational and communication skills are needed
• Bachelor's degree in Business Management, Accounting, Finance, Banking, or equivalent experience
• Strong understanding of B2B Commercial Credit and the establishment of lines of credit
• Ability to work effectively with all functional levels within AutoZone
• Must be detail-oriented and able to independently manage complex tasks within a tight time-frame
• Market, train, counsel, advise, and communicate credit department policy and procedures to company personnel
• Positive "can-do" attitude always.

Responsibilities

• Review and provide recommendations from key performance indicators (KPIs) which include financial, sales, and activity reports to monitor and measure divisional productivity, goal achievement, and overall effectiveness
• Ability to perform financial analysis, identify risk, and interpret data for management's use in rendering sound credit decisions
• Prepare written financial analysis and oral training presentations that support sound credit recommendations consistent with the credit profile of the business
• Develop, design, and make recommendations on new business processes to optimize operational efficiency and customer service
• Work to consistently improve upon current tactics and implement best practices across the division
• Conduct research to determine best practices throughout the industry to be used as a benchmark to success
• Direct, manage, organize projects and work with other functional groups to ensure successful completion and implementation
• Serve as lead for some strategic cross-functional projects
• Perform other duties as required

What This Job Offers

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