Credit Analyst

SUMMARY

Responsible for analyzing credit and financial reports to determine risk involved in extending credit. Each analyst is responsible for $325MM portfolio. He/she is tasked with partnering with sales to support an annual growth of 20% or $65MM. Risk Analysts are charged with scrutinizing financial data and analyzing/assessing risk exposures to minimize the risk of loss arising from failure of customers to repay their line of credit. The Senior Analyst has authority to establish $15k line of credit for small, regional, and large automotive repair/service concerns. The Sr. Analyst collaborates with the sales team to develop risk mitigation strategies when structuring marginal deals and recommends appropriate exposure limits based on portfolio performance.

RESPONSIBILITIES
• Analyzing current and past financial data and performance. Performs financial analysis, identifies risk, and interprets data for management's use in rendering sound credit decisions.
• Monitors performance of assigned regions on a period basis against key business / performance metrics; communicates and works with Credit Manager / Sales leadership to identify potential drivers to variance.
• Prepare written financial analysis and oral presentations that support sound credit recommendations consistent with the credit profile of the business.
• Identify watch list candidates on a daily basis and recommend actions to support sales while managing the credit risk exposure.
• Perform credit limit administration, regulatory and policy reporting functions, including support for all of the department's compliance and audit requirements.
• Assure applications for new accounts are in compliance with the State and Federal approval regulations and AutoZone's policies and procedures.
• Prepare analysis for management and the sales team pertaining to customer credit worthiness credit portfolio risk, or general credit matters.

Perform other duties as required.

REQUIREMENTS
• Level of formal education: A Bachelor's degree (BA, BS) or equivalent.
• Area of study: Business Administration, Accounting, Finance, Banking, or related field
• Years of experience: 3-5 years
• Type of experience:
• In financial/credit analysis in a customer-facing operation.
• Must have a thorough knowledge, understanding, and ability to apply the principles of credit, finance, and accounting, as well as the techniques and tools of credit analysis, financial analysis, and asset/liability management, in the evaluation of the financial condition of various types of automotive repair centers, including small, medium, large automotive repair (National/Multiple Franchisee) concerns.
• Must be proficient in Microsoft Tools (Excel, Outlook, PowerPoint, Visio, Project, SharePoint, etc.).
• Strong understanding of B2B Commercial Credit and the establishment of lines of credit.
• Ability to work effectively with all functional levels within AutoZone.
• Must be detail-oriented and able to independently manage complex tasks within a tight timeframe.
• Market, train, counsel, advise, and communicate credit department policy and procedures to company personnel.
• Other/preferred: Strong analytical skills with excellent written and verbal communication skills, including the ability to clearly and concisely express analytical conclusions and recommended actions. Ability to summarize large amounts of both objective and subjective information and to justify recommendations to the sales team and management. Positive "can-do" attitude.