Sr. Credit Analyst

Position Overview The Senior Credit Analyst is responsible for analyzing U.S. customer accounts to mitigate financial risk. The role involves monthly reviews of accounts that exceed established credit limits, assessing customer creditworthiness using D&B reports, sales and payment history, and providing recommendations to upper management. The analyst supports the business through process improvement initiatives, manages the Cforia application administration, documentation, and system configurations, and serves as the system administrator for Cforia Autonomy. Key Responsibilities Build and maintain O2C metrics and SLA dashboards via Excel and Power BI. Coordinate bankruptcy activities and support for preference claims. Understand mapping of Cforia data into boundary systems and maintain system integration to Oracle. Document and resolve Level 1 and Level 2 issues for system users, escalating critical items to designated parties. Serve as the system administrator for Cforia Autonomy, handling functional and technical issues, resolving integration‑related errors, and training secondary administrators. Analyze financial statements and public financial information to determine appropriate credit limits for new and existing key customers. Utilize market data and analytics to assess credit risk on large accounts and provide insights and recommendations. Support or lead the negotiation of past‑due accounts, follow‑up inquiries, and refer accounts to collection agencies, collaborating with internal business partners. Lead analytics around field and key accounts, including past‑due analysis, payment trends, and customer segmentation. Partner with Financial Services Managers to provide data and trends on portfolios, driving insights into past‑due balances. Drive the application of credit policy, periodic credit reviews on existing customers, and assessment of creditworthiness of potential customers. Oversee aging reporting and analysis, including monthly bad debt reporting, and lead the process of quantifying monthly accounting reserves. Qualifications Bachelor’s degree. 5 years of related experience preferred. Competencies Analyze Alternatives & Recommend Solutions Communicates Effectively Compliance Management Courage Data Collection and Analysis Data Control Ensures Accountability Instills Trust Manages Complexity Nimble Learning Plans & Aligns Optimizes Work Processes Spreadsheet Expertise Review and Reporting Situational Adaptability Verbal Communication Verify Requirements Business Insights Action Planning Financial Acumen Document Management Physical Demands and Work Environment Physical demands: The employee is occasionally required to stand, walk, sit, use hands to handle objects, reach with hands and arms, climb stairs, balance, stoop, kneel, crouch, or crawl, talk, hear, taste and/or smell. The employee may occasionally lift and/or move up to 50 pounds. Vision requirements include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus. Work environment: Exposure to weather conditions at the time; moderate noise level. Travel required as needed for the position. Equal Opportunity American Tire Distributors is an Equal Opportunity Employer and Drug Free Workplace. #J-18808-Ljbffr