Sr. Analyst, Portfolio Risk and Monitoring

The Home Depot•Atlanta, GA

About The Position

The Sr. Analyst, Trade Credit Services position manages and services commercial credit customers associated with the Pro Trade Credit program, with elevated responsibilities and approval authority. The role establishes and manages credit lines, provides receivables management and customer service, and supports payment and dispute resolution activities. It requires analyzing and solving complex problems involving customer, sales, and organizational information while meeting service levels and the organization’s financial goals. The position typically reports to the Area Supervisor Trade Credit Services and has up to zero direct reports. It typically requires overnight travel less than 5% of the time. Work takes place in a comfortable indoor area, with most time spent seated and frequent opportunity to move about; rare occasions may require moving or lifting light articles.

Requirements

Must be at least 18 years of age.
Must be legally permitted to work in the United States.
At least 2 years of work experience.
Bachelor’s degree or equivalent in a job-related field of study.
Ability to negotiate, handle complaints, settle disputes, and resolve grievances with internal and external customers.
Excellent verbal and written communication skills and sound decision-making skills.
Strong analytical skills, including transforming data into actionable information.
Ability to work independently and as part of a larger team.
General knowledge of retail business, the financial services industry, the economy, and business trends.
Ability to strategically analyze business problems and opportunities.
Demonstrated project management excellence for small-to-medium projects.
Track record of successfully managing multiple, simultaneous customer-service needs.

Nice To Haves

Working knowledge of Microsoft Office Suite.
2–3 years of experience preferred.
Consumer and commercial credit underwriting experience preferred, but not required.
Experience in credit risk management or a related field.

Responsibilities

Develop and maintain accurate collection status records for all accounts.
Resolve customer discrepancies and disputes, collect delinquent accounts, recommend collection action plans, and ensure timely and accurate payment processing.
Recommend when accounts should be placed with outside collection agencies or attorneys.
Communicate directly with customers and internal sales associates or leaders about credit and collection matters, verbally and in writing.
Understand, identify, and influence results to meet individual and team performance metrics; propose solutions and identify operational process improvements.
Perform judgmental underwriting for large commercial customers’ credit needs in a timely, secure, sound, and consistent manner.
Manage receivables and mitigate potential losses through sound credit management strategies and execution.
Manage and respond to credit requests and process applications using financial documents to analyze credit.
Ensure adherence to credit policy, guidelines, and regulatory requirements.
Manage multiple simultaneous customer-service needs and small-to-medium projects.