Credit Risk Analyst

3 weeks ago

Toronto, Ontario, Canada EMCO Corporation Full time

Job Summary

The Credit Analyst role at EMCO Corporation involves evaluating credit applications, approving new accounts, and managing customer relationships while maintaining healthy profit margins. This position requires strong analytical skills, excellent communication, and a team player attitude.

Key Responsibilities

  • Review new customer applications and determine credit risk
  • Approve new accounts and set credit limits in collaboration with Profit Centre Managers and the Credit Manager
  • Inform Profit Centre Managers of changes in customer business that may impact credit
  • Collect from customers while maintaining healthy relationships
  • Partner with the sales team to create action plans for higher-risk accounts
  • Investigate and resolve customer disputes and address short payments in a timely manner
  • Maintain detailed notes in the computer system for each account
  • Prepare delinquent accounts for third-party collection, construction liens, and bad debt write-offs
  • Obtain required documentation, including personal guarantees and letters of direction payment
  • Uphold and exercise EMCO's Core Values at all times

Requirements

  • Team player with excellent interpersonal skills and sound business judgment
  • High energy with strong communication skills
  • Excellent analytical skills and ability to reconcile accounts
  • Able to handle multiple tasks and prioritize workload
  • Good understanding and interpretation of credit bureau reporting
  • Knowledge of the construction industry is preferred
  • Able to learn and operate the Credit software system
  • Commit to a minimum of 40 hours in training and personal development annually
  • Proficient in English, French is an advantage

Education and Experience

  • University degree in finance, business, or accounting is preferred
  • Working towards a Certified Credit Professional designation or ready to start studies
  • Minimum 1+ year of credit or finance experience
  • Proficient user of Microsoft Office software

About EMCO Corporation

EMCO Corporation is one of Canada's largest integrated wholesale distributors of plumbing, HVAC, waterworks, and industrial products for the construction industry. We offer great mentors and on-the-job training, growth potential with competitive salary, benefits, and profit sharing, a career with a solid, stable company with strong core values, participation in our pension plan with employer contributions, and work-life balance and flex time.

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