Sr. Credit Analyst

About This Role 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. What You\'ll Do 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 Required Skills & Experience 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 Preferred Qualifications 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 Compensation Details: $76,300 - $95,500 per year Why you should join our team We live our values - W.E.L.I.G.H.T (Winning, Excellence, Love, Integrity, Gratitude, Humility, and Teamwork). These values reflect our commitment to the company, our employees, to Ace retailers and to the Ace brand. In addition to providing our employees a great culture, Ace offers competitive benefits that address life\'s necessities and perks, many of which expand and improve year after year. Equal Opportunity Employer Ace Hardware Corporation is committed to a policy of promoting equal employment opportunities. The company recognizes the importance of diversity and leveraging the skills and talents of all people to the mutual advantage of each individual and the organization. The company is committed to the prevention of employment discrimination related to race, religion, color, sex (including sexual harassment), gender identity, national origin, age, marital status, disability and military or veteran status, sexual orientation or any other action covered by federal or applicable state/local laws. Disclaimer The pay range for this position starts as listed in the job posting, but could be higher based on education and experience. Please note, compensation decisions are dependent on the facts and circumstances of each opening. We take into consideration the minimum requirements outlined in the job description, such as an individual\'s education, training and experience, the position\'s work location, required travel (if any), and external market conditions when determining the final salary for potential new hires. This written “Position Description” is not intended to cover all aspects of the position listed. It is meant to cover the basic/general essential job functions of a particular position. Ace Hardware Corporation reserves the right to change job duties, including essential job functions, according to business necessity. #J-18808-Ljbffr