Credit Risk Analyst

2 days ago

Toronto, Ontario, Canada EMCO Corporation Full time

Job Title: Credit Analyst

The Credit Analyst plays a crucial role in evaluating credit applications, approving new accounts, and managing customer relationships while maintaining healthy profit margins and acceptable risk levels.

Key Responsibilities:

  • Review new customer applications, assess credit risk, and approve new accounts.
  • Collaborate with Profit Centre Managers and the Credit Manager to set and adjust account credit limits as needed.
  • Inform Profit Centre Managers of any changes in a customer's business that may impact their creditworthiness.
  • 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 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.
  • Adhere to Emco's Core Values at all times.
  • Perform other work-related duties as requested by the Credit Manager.

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 an asset.
  • 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, with tuition fees reimbursed upon successful completion.
  • 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 endless opportunities for growth and development in your career, with a culture that supports you every step of the way.

What 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.
  • Work-life balance and flex time.

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