Credit Management Analyst

$55,200 - $100,000/Yr

Unclassified - Westerville, OH

Full-time - Entry Level

Hybrid - Westerville, OH

About the position

The Credit Risk Analyst plays a crucial role in the Credit Risk Underwriting and Account Management function, focusing on facilitating profitable growth by analyzing and approving credit applications. This position involves evaluating client portfolios, recommending changes to credit parameters, and collaborating with the Client Sales team to enhance account approval processes and profitability.

Responsibilities

• Create and evaluate new account application underwriting standards for client portfolios with guidance from the Credit Risk Manager.
• Analyze performance of past accounts and recommend changes to underwriting and credit limit assignment parameters.
• Create, test, and analyze new credit limit strategies for specific clients to increase sales and profitability for existing accountholders.
• Create and analyze reporting of key credit risk metrics to understand changes in portfolio risk mix and customer behavior trends.
• Act as the primary risk contact for the Client Sales team, effectively researching and resolving ad-hoc requests from internal partners.
• Participate in the Strategic Account Management process with Client Sales, creating strategies, underwriting standards, and credit limit assignments for new client implementations.
• Participate in strategic projects to identify enhancements that will lead to more account approvals and higher sales.

Requirements

• Bachelor's Degree or equivalent work experience in Economics, Statistics, Finance, Business, Accounting, or completion of a Bread Financial apprentice program.
• At least one year in credit management (preferred).
• Experience coding using SAS, SQL, Dataiku, Angoss, or other dashboard experience (preferred).

Benefits

• Medical insurance
• Prescription drug coverage
• Dental insurance
• Vision insurance
• 401(k) plan with company matching
• Paid time off
• Flexible work schedule
• Hybrid work environment