Senior Credit Analyst

Triumph Financial, Inc.•Coppell, TX

About The Position

Join Triumph! At Triumph, our vision is a world where freight transactions are accurate and seamless on the most modern and secure freight transaction network. That’s why we’re looking for passionate, innovative, solutions-oriented people to join our team. We thrive on providing exceptional customer service and we look for team members with an entrepreneurial spirit and a passion to build successful partnerships with our clients. Because at the end of the day our goal is to help our partners businesses run better. Position Summary: The Senior Credit Analyst is responsible for effectively and efficiently granting and maintaining credit limits, overseeing account debtor profiles, and managing credit limit expirations in addition to responding to client credit requests. In addition to daily responsibilities, the Senior Credit Analyst assists management in spreading financials, preparing written credit proposals, and presenting analysis to various credit committees. The Senior Credit Analyst reports to and works closely with the VP-C to ensure compliance and protect the company against loss. The Senior Credit Analyst is expected to stay informed on industry trends as it relates to concentration in the portfolio and debtor risk.

Requirements

Bachelor’s degree in business, finance, or related field is required.
A minimum of three (3) to five (5) years of experience in credit analysis and risk management.
Extensive understanding of financial statements (analytics and trends) is a must.
Ability to read, interpret, and analyze financial statements.
Must have a deep understanding of spreading financial statements.
Problem solving and decision-making skills are essential.
Initiative and ability to work independently and as part of the team.
Strong work ethic and organizational skills.
Must be proficient in Microsoft Word and Excel.
Ability to handle multiple tasks while maintaining attention to detail.
Strong professional communication skills.
Well organized, resourceful, and planful; effective and efficient at organizing multiple resources to get things done.
Ability to comfortably work through conflict without hesitation and make challenging decisions
Regular, predictable attendance is required.

Nice To Haves

Master’s degree in accounting or finance is preferred, but not required.
Widespread knowledge of the transportation and/or logistics factoring industry is strongly preferred.

Responsibilities

Evaluate the credit worthiness of current and prospective commercial account debtors through the review of financial statements, use of mercantile credit reports, public information databases, internal payment history and any other information that could serve as a basis for establishing a reasonable credit limit.
Assist management in the preparation of written credit proposals and presentations to various credit committees.
Prepare written analysis of current and prospective credit exposures.
Assist in maintaining and reviewing current information for account debtors as per company policy.
Stay informed on industry trends as it relates to concentration in the portfolio and debtor risk.
Review credit alerts to be sure the company’s risk is manageable.
Provide assistance to external and internal customers through phone and email.
Maintain communication with Account Resolutions, Sales, Underwriting, and Operations departments to minimize credit losses.
Review debtors for prospective clients and communicate with the Sales staff through Salesforce.
Trains, mentors, and assist management in developing new team members on the credit team.
Work with management to determine and communicate potential business needs that require IT support.
Work with management to review credit losses and explore potential changes in credit standards or processes.
Other duties, as assigned.