Credit Specialist - REMOTE

Job Summary

Essential Functions

• Works with Rental, National Rental, and FMG sales group on credit requests on new customers and increased credit lines for existing customers.
• Assists Lease analyst in initial review of lease assignments, handling preliminary credit review for assignee/assignor and obtaining Ryder documentation including TLSA, nfusion information, and Ryder history.
• Reviews credit reports, Ryder and company history, and financial statements.
• Performs review on customer to determine any deterioration of creditworthiness and re-evaluate desired exposure, determining proper credit line and action plan to reduce rentals if needed.
• Communicates to stop loss, collections, sales, and operations on problem or high risk accounts by email or conference calls to advise of potential loss.
• Verifies all critical documentation and security is received from customer such as ACH amendment, cash deposits, ILOCs, and guarantees.
• Assists daily with Credit Hold Mailbox reviewing emails to make sure proper information is given.
• Assists with ad hoc tasks required within the department.
• Performs other duties as assigned.

Education and Experience

• Bachelor's degree in business, finance, or accounting or 3 years equivalent business work experience.
• Two or more years of experience in commercial credit.
• Two or more years of experience in financial statement analysis preferred.

Skills

• Ability to analyze and interpret financial data, complete spreads, analyze trends, and assess credit risks.
• Capable of multi-tasking, highly organized, with excellent time management skills.
• Manage work queues, emails, and calls from multiple sources including Sales, customers, and collections.
• Strong verbal and written communication skills and ability to communicate effectively with customers and Sales.
• Ability to create and maintain professional relationships within all levels of the organization.
• Maintain professional demeanor in potentially high stress environment.
• Ability to work independently and as a member of a team and render responsible credit decisions.
• Ability to assess a situation, seek multiple perspectives, gather more information, and identify key issues.
• Creative ability to structure deals, minimizing risk and growing sales.
• Demonstrates excellent judgment and decision-making skills.
• Detail oriented with excellent follow-up practices.

Knowledge

• Knowledge and skills in Microsoft Office products (Excel, Word, PowerPoint, and Access) at intermediate level.
• Work with credit software that includes credit scoring systems such as Cortera or Equifax at intermediate level.

Compensation Information

• Pay Type: Salaried.
• Minimum Pay Range: $55,000.00.
• Maximum Pay Range: $65,000.00.
• The position may also be eligible to receive an annual bonus, commission, and/or long-term incentive plan based on level and/or type.

Benefits Information

• For all Full-time positions only, Ryder offers comprehensive health and welfare benefits including medical, prescription, dental, vision, life insurance, and disability insurance options.
• Paid time off for vacation, illness, bereavement, family and parental leave.
• Tax-advantaged 401(k) retirement savings plan.

Travel

• Travel: 1-10%.

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