Commercial Credit Analyst

Purpose of this role

Independently analyzes financial condition, performance, and behaviors of assigned medium to large, complex dealers to assess risk and recommend the appropriate credit limit and structure. Collaborates regularly with the account management teams for the credit and equipment divisions in providing credit to strengthen the dealer channel to enable growth. Supports on-going account management activities for dealer relationships including problem solving, periodic financial reviews, and collection and reporting activities.

Major Duties

• Perform detailed evaluation of financial statements and other reports to arrive at an overall risk assessment for assigned dealers located in Asia, Africa, and the Middle East. Develop credit recommendations for credit limits and structures for assigned dealers to support dealer growth while also managing risk within stated guidelines.
• Perform on-going customer management for dealer relationships which includes monitoring daily transactions and collection activities to ensure compliance with credit line conditions, credit limit availability, and dealer repayment obligations.
• Establish and maintain positive relationships with personnel in the dealerships and/or Deere equipment divisions to effectively support credit decisions. Some travel may be required if needed.
• Assists dealer, Deere equipment division, and Deere credit teams with problem solving, training, and reporting needs.
• Provides support and assists in digitalizing the credit underwriting process utilizing digital solutions.

• Understanding of financial statements, cash flow, and key financial ratios. Demonstrated financial analysis skills, including the ability to evaluate information, identify potential risks and draw conclusions.
• A strong customer service focus and have proven ability to understand a dealer’s business, performance, and strategy, as well as understanding their long-term needs and how we can support them.
• Strong verbal and written communication and negotiation skills.
• Self-motivation and proven organization skills with the ability and flexibility to successfully manage and prioritize fluctuating workloads.
• Ability to work independently and within a team environment.
• Understand the value of and promote Diversity & Inclusion by demonstrating this in interactions through your words and actions.
• Flexible to time zones as per the business needs.

University Degree in Business/Management or Accounting/Finance discipline or equivalent experience