Sr. Analyst, Portfolio Risk and Monitoring

Home Depot•Atlanta, GA

13h

About The Position

The Sr. Analyst, Trade Credit Services position manages and services commercial credit customers associated with the Pro Trade Credit program, with greater responsibilities and higher approval authority. The role is responsible for establishing and managing credit lines, providing receivables management and customer service, and supporting payment and dispute resolution activities. It requires analyzing and solving complex problems involving customer, sales, and organizational information to ensure accurate service levels and meet organizational financial goals. The position typically reports to the Area Supervisor Trade Credit Services and has up to zero direct reports. Overnight travel is typically required less than 5% of the time. The role is primarily performed indoors in a comfortable setting. Most time is spent sitting, with frequent opportunities to move around; only rarely may light lifting or moving be required.

Requirements

Must be at least 18 years old.
Must be legally permitted to work in the United States.
At least 2 years of work experience.
Bachelor’s degree or equivalent in a field of study related to the job, or the knowledge, skills, and abilities typically acquired through completion of such a program.
Strong analytical skills, including transforming data into actionable information.
Strong written and verbal communication skills.
Ability to negotiate, handle complaints, settle disputes, and resolve grievances with internal and external customers.
Sound decision-making skills.
Ability to manage multiple simultaneous customer service needs.
Ability to analyze business problems and opportunities strategically.
Ability to work independently and as part of a team.
Demonstrated project management ability for small-to-medium projects.

Nice To Haves

Working knowledge of Microsoft Office Suite.
Two to three years of experience preferred.
Consumer and commercial credit underwriting experience; preferred but not required.
Experience in credit risk management or a related field.
General knowledge of the retail business, financial services industry, economy, and business trends.
Track record of successfully managing multiple, simultaneous customer service needs.

Responsibilities

Develop and maintain accurate collection status records for accounts.
Resolve customer discrepancies and disputes and collect delinquent accounts.
Recommend actions to resolve collection accounts and ensure timely, accurate payment processing.
Recommend when accounts should be referred to outside collection agencies or attorneys.
Communicate verbally and in writing with customers and internal sales associates or leaders about credit and collection matters.
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, processing applications and analyzing financial documents.
Ensure adherence to credit policies, guidelines, and regulatory requirements.