Sr. Credit Analyst

ACE Hardware•Oak Brook, IL

3d•$76,300 - $95,500•Hybrid

About The Position

The Senior Credit Analyst supports US‑based retail partners by performing advanced financial statement analysis, underwriting credit and loan applications, and managing collections for a multi‑million‑dollar domestic account portfolio. This role plays a critical part in identifying and mitigating credit risk to protect the Cooperative from loss, while partnering closely with Sales, Operations, and Legal teams across the United States. This role follows a hybrid work schedule and requires 4 days per week on‑site at our Oak Brook, IL office location. Candidates must be able to reliably commute and participate in in‑person collaboration and meetings.

Requirements

4+ years of hands‑on credit analysis experience supporting a US‑based business
Demonstrated ability to analyze US GAAP financial statements, including balance sheets, income statements, and cash flow statements
Experience managing a portfolio of accounts, including credit limits, order release, and collections support
Strong written and verbal communication skills with internal and external stakeholders
Proficiency with SAP or comparable ERP systems, Excel, and financial reporting tools
Ability to work on‑site, in Oak Brook, IL 4 days per week during standard US business hours

Nice To Haves

Bachelor’s degree in Finance, Accounting, Economics, or a related field
Familiarity with US business, credit, and contract law
Experience within a retail, wholesale, or distribution credit environment

Responsibilities

Analyze and decision US‑based Member Applications within assigned credit authority and territory
Underwrite Retailer Loan Applications in accordance with company credit policy and applicable US credit regulations
Establish and manage credit limits based on risk profile, financial performance, and payment history
Review and disposition blocked retailer orders consistent with risk guidelines
Develop payment plans and resolve past‑due balances in partnership with retailers and internal teams
Manage an assigned portfolio of domestic retailer accounts

Benefits

Incentive opportunities
Generous 401(k) retirement savings plan with a fully vested matching contribution the first year in addition to quarterly contributions and annual discretionary contribution
Comprehensive health coverage (medical, dental, vision and disability – up to 26 weeks short-term disability and long-term disability) & life insurance benefits for you and your dependents
21 days of vacation immediately available (prorated in the first year)
Up to 6 paid holidays depending on the month of hire
Company Car, phone and fuel card are provided for field-based positions
Annual Ace Cares Week
20 hours off work per year to volunteer at an organization of your choice
Opportunities to help Children’s Miracle Network Hospitals and the Ace Helpful Fund through the Ace Foundation
On-site classes, facilitator-led courses
Generous tuition assistance program
Frequent campus events like Employee Appreciation Week, vendor demos, cookouts, and merchandise sales
Services such as mobile spas, auto maintenance, car wash and detailing, dry cleaning, dentists, eye doctors, flu shots, recycling and more
Employee discounts on Ace merchandise (including top brands like Weber, Traeger, Yeti, Craftsman, DeWalt and more), travel, fitness, computers and thousands more
Birth/Adoption bonding paid time off
Adoption cost reimbursement
Employee Assistance Program (EAP) – access to free visits to therapists and lawyers, guidance on financial matters, elder and childcare, and assistance with tickets to entertainment events
Identity theft protection