**SUMMARY**
Responsible for analyzing credit and financial reports to determine risk involved in extending credit. Each analyst is responsible for $325MM portfolio. He/she is tasked with partnering with sales to support an annual growth of 20% or $65MM. Risk Analysts are charged with scrutinizing financial data and analyzing/assessing risk exposures to minimize the risk of loss arising from failure of customers to repay their line of credit. The Senior Analyst has authority to establish $5k line of credit for small, regional, and large automotive repair/service concerns. The Sr. Analyst collaborates with the sales team to develop risk mitigation strategies when structuring marginal deals and recommends appropriate exposure limits based on portfolio performance.
**RESPONSIBILITIES**
- Analyzing current and past financial data and performance. Performs financial analysis, identifies risk, and interprets data for management's use in rendering sound credit decisions.
- Prepare written financial analysis and oral presentations that support sound credit recommendations consistent with the credit profile of the business.
- Perform credit limit administration, regulatory and policy reporting functions,
including support for all of the department’s compliance and audit requirements.
- Prepare analysis for management and the sales team pertaining to customer credit worthiness credit portfolio risk, or general credit matters.
Perform other duties as required.
**REQUIREMENTS**
- **Level of formal education**: A Bachelor's degree (BA, BS) or equivalent.
- **Area of study**:Business Administration, Accounting, Finance, Banking, or related field
- **Years of experience**:3-5 years
- **Type of experience**:
- In financial/credit analysis in a customer-facing operation.
- Must be proficient in Microsoft Tools (Excel, Outlook, PowerPoint, Visio, Project, SharePoint, etc.).
- Strong understanding of B2B Commercial Credit and the establishment of lines of credit.
- Ability to work effectively with all functional levels within AutoZone.
- Must be detail-oriented and able to independently manage complex tasks within a tight timeframe.
- Market, train, counsel, advise, and communicate credit department policy and procedures to company personnel.