Job Description

Job Description

Responsible for analyzing credit and financial reports to determine risk involved in extending credit. Each analyst is responsible for $450MM 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 Analyst has authority to establish $25k line of credit for small, regional, and large automotive repair/service concerns. The Analyst collaborate with the sales team to develop risk mitigation strategies when structuring marginal deals and recommend appropriate exposure limits based on portfolio performance.

Key Responsibilities will include:

* 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.
* Monitors performance of assigned regions on a period basis against key business / performance metrics; communicates and works with Credit Manager / Sales leadership to identify potential drivers to variance.
* Prepare written financial analysis and oral presentations that support sound credit recommendations consistent with the credit profile of the business.
* Identify watch list candidates on a daily basis and recommend actions to support sales while managing the credit risk exposure.
* Perform credit limit administration, regulatory and policy reporting functions, including support for all of the departments compliance and audit requirements.
* Assure applications for new accounts are in compliance with the State and Federal approval regulations and AutoZones policies and procedures.
* 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.

Skills/Knowledge:

* Bachelors degree in Business Administration, Accounting, Finance, Banking, or related field.
* Minimum of three to six years experience in financial/credit analysis in a customer facing operation.
* Must be proficient in Microsoft Tools (Excel, Outlook, PowerPoint, Visio, Project, SharePoint, etc.)
* Strong analytical skills with excellent written and verbal communication skills, including the ability to clearly and concisely express analytical conclusions and recommended actions. Ability to summarize large amounts of both objective and subjective information and to justify recommendations to the sales team and management.
* Must have thorough knowledge, understanding, and ability to apply the principles of credit, finance, and accounting, as well as the techniques and tools of credit analysis, financial analysis, and asset/liability management, in the evaluation of the financial condition of various types of automotive repair centers, including small, medium, large automotive repair (National/Multiple Franchisee) concerns.
* 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.
* Positive can-do attitude at any and all times.