Risk Management Senior Credit Analyst

Oracle•Redwood City, CA

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. Qualified candidates will have extensive credit underwriting and credit decision making experience, with the credit decisions concerning enterprise business entities. Candidates should have experience with a bank or financing/leasing company with strong financial underwriting and credit decision making abilities, with direct credit authority. The position will require analyzing corporate credits ranging from start-up companies to large corporations. The analysis will include spreading financial reports, calculating financial ratios, reading audit footnotes, and analyzing income statements, balance sheets, and cash flow statements. The Analyst should have the ability to handle multiple tasks, make decisions under pressure, work independently, and provide responsive support to the sales organization.

Requirements

Excellent quantitative and analytical skills.
Ability to prioritize conflicting deadlines for deliverables and customer issues.
Ability to make independent credit decisions under pressure and in a timely manner.
Experience underwriting state and local government (municipal) entities and hospitals a plus.
Intermediate level of software (Excel and Word).
Ability to perform advanced financial and ratio analysis.
Ability to think analytically and problem solve.
Ability to provide appropriate structures and negotiate terms.
Strong written and oral communication skills.
5-10+ years of work experience in credit underwriting and credit decision making with a bank, leasing company, and/or captive finance company.
Bachelor's Degree in Finance, Economics, or Accounting.

Nice To Haves

MBA preferred.
Strong academic performer a plus.

Responsibilities

Conduct credit due diligence and credit decision making in a professional, thorough, and timely manner.
Prepare written credit risk analysis in accordance with OFD Credit Policies and SOX requirements.
Identify strengths, risks, and mitigants and assign accurate risk ratings to customer business entities.
Perform in a responsive manner while controlling risks.
Obtain information related to financial condition and performance, operations, management, competition, and industry economics.
Analyze corporate credits, state and local government (municipal) credits, and hospital credits.
Work with funding sources to ensure funding liquidity of closed Oracle Financing transactions.
Create and maintain orderly credit files, including credit review write-ups.

Benefits

Medical, dental, and vision insurance, including expert medical opinion
Short term disability and long term disability
Life insurance and AD&D
Supplemental life insurance (Employee/Spouse/Child)
Health care and dependent care Flexible Spending Accounts
Pre-tax commuter and parking benefits
401(k) Savings and Investment Plan with company match
Paid time off: Flexible Vacation is provided to all eligible employees assigned to a salaried (non-overtime eligible) position. Accrued Vacation is provided to all other employees eligible for vacation benefits. For employees working at least 35 hours per week, the vacation accrual rate is 13 days annually for the first three years of employment and 18 days annually for subsequent years of employment. Vacation accrual is prorated for employees working between 20 and 34 hours per week. Employees working fewer than 20 hours per week are not eligible for vacation.
11 paid holidays
Paid sick leave: 72 hours of paid sick leave upon date of hire. Refreshes each calendar year. Unused balance will carry over each year up to a maximum cap of 112 hours.
Paid parental leave
Adoption assistance
Employee Stock Purchase Plan
Financial planning and group legal
Voluntary benefits including auto, homeowner and pet insurance