Credit Risk Specialist

4 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 the ability to work in a hybrid environment.

Key Responsibilities

  • Review customer applications, assess credit risk, and approve new accounts.
  • Collaborate with Profit Centre Managers to set and adjust account credit limits.
  • Inform managers of changes in customer business that may impact credit.
  • Collect payments from customers while maintaining positive relationships.
  • Partner with the sales team to develop action plans for high-risk accounts.
  • Investigate and resolve customer disputes, addressing short payments in a timely manner.
  • Maintain detailed account notes in the computer system.
  • Prepare delinquent accounts for collection, construction liens, and bad debt write-offs.
  • Obtain required documentation, including personal guarantees and letters of direction.
  • Uphold EMCO's Core Values at all times.

Requirements

Knowledge, Skills, and Abilities

  • Team player with excellent interpersonal skills.
  • Strong business judgment and analytical skills.
  • High energy with strong communication skills.
  • Ability to reconcile accounts and handle multiple tasks.
  • Good understanding of credit bureau reporting.
  • Knowledge of the construction industry is an asset.
  • Able to learn and operate the Credit software system.
  • Commit to 40 hours of training and 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.

Why Choose EMCO Corporation?

EMCO Corporation is a leading wholesale distributor of plumbing, HVAC, waterworks, and industrial products. We offer great mentors, on-the-job training, and a culture that supports your growth and development.

Additional Benefits

  • Competitive salary, benefits, and profit sharing.
  • Participation in our pension plan with employer contributions.
  • Work-life balance and flexible work arrangements.

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