Credit Analyst

The Credit Analyst functions include Advanced Financial Statement Analysis for; the preparation of Member Applications, to facilitate Order Release, Underwrite Retailer Loans, and to manage the Collection effort for a  multi-million-dollar portfolio of retail store accounts. This critical Finance role is responsible for identifying and mitigating risk for their portfolio and to protect the Cooperative from financial losses. You will receive the support and collaboration of an extensive team of Credit and Operations professionals to help you achieve your goals. You will enjoy a flexible work schedule in a beautiful, state-of-the-art, newly remodeled facility on our sprawling, wooded campus.  

• →Analyze and decision new Member Applications within designated authority and territory
• →Underwrite Loan Applications within designated territory
• →Determine appropriate credit limits within designated authority and territory
• →Disposition blocked retailer orders timely and in line the retailer's risk profile
• →Establish payment plans to resolve retailer past due balances

You are a Finance or Accounting professional with exceptional attention to detail that excels in financial statement analysis and risk assessment. You have a strong work ethic with excellent communication skills and enjoy working cross functionally with colleagues and business owners across the country.  

• Ability to to quickly read, interpret and analyze financial statements including balance sheets, income and cash flow statements, and proforma data to produce a professional written analysis.
• Manage a portfolio of accounts including setting credit limits, order release, and working with past due retailers to develop solutions and payment plans as needed.
• Self-motivated, with a strong work ethic, well organized and able to perform with limited supervision in order to work effectively within various deadlines and time constraints.
• Excellent verbal and non-verbal communication and negotiation skills.
• Proficient with SAP or equivalent ERP system, MS Office Suite, database queries and reporting.

• A four year business degree (preferably in Finance, Economics or Accounting)
• Familiarity with business and credit laws and prior experience working with legal contracts. 

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When most people think of career opportunities with Ace Hardware, they often think of the helpful cashiers and sales associates at their local store. However, have you also considered the people behind the scenes who select, promote, ship and process the invoices for more than 75,000 products? Maybe you haven't, but we'd like you to. Because together we help our customers take care of their homes. Come find out why a career with the Ace Hardware Corporation is one of America's best kept secrets.

Equal Opportunity Employer
Ace Hardware Corporation is committed to a policy of promoting equal employment opportunities. The company recognizes the importance of diversity and leveraging the skills and talents of all people to the mutual advantage of each individual and the organization. The company is committed to the prevention of employment discrimination related to race, religion, color, sex (including sexual harassment), gender identity, national origin, age, marital status, disability and military or veteran status, sexual orientation or any other action covered by federal or applicable state/local laws.

Disclaimer

The pay range for this position starts as listed in the job posting, but could be higher based on education and experience. Please note, compensation decisions are dependent on the facts and circumstances of each opening. We take into consideration the minimum requirements outlined in the job description, such as an individual’s education, training and experience, the position’s work location, required travel (if any), and external market conditions when determining the final salary for potential new hires.

Be aware that salary estimates published via alternate online job boards may not be a true representation of the actual pay range offered for this position. Please refer to the Ace position description for the accurate starting pay range information and feel free to discuss this with a Talent Acquisition professional if you are chosen to move forward with an interview.

This written “Position Description” is not intended to cover all aspects of the position listed. It is meant to cover the basic/general essential job functions of a particular position. Ace Hardware Corporation reserves the right to change job duties, including essential job functions, according to business necessity.

It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.