Analyst, Credit Risk

With a career at The Home Depot, you can be yourself and also be part of something bigger.

Position Purpose:

The Analyst, Trade Credit Services position is responsible for processes associated with managing and servicing commercial credit customers associated with the Pro Trade Credit program.   Managing and establishing credit lines, providing sound receivables management & customer service, and supporting payments & disputes resolution activities are critical to success in this role.

The ability to analyze and solve problems associated with information related to customer, sales, and organizational needs is necessary to ensure accurate service levels are met while simultaneously meeting the financial goals of the organization.

Key Responsibilities:

• 25% - Collections and Disputes Management - Develop and maintain accurate collection status records for all accounts.   Recommend when accounts should be placed with outside agencies or attorneys for collection.   Resolve customer discrepancies and/or disputes and effect collection of delinquent accounts.   Recommend plans of action to resolve collection accounts and ensure timely & accurate processing of payments.
• 25% - Customer Service - Directly communicate with customers and internal sales associates or leadership related to credit & collection matters verbally and in writing.
• 25% - Drives Results - Ability to meet outlined operational goals and objectives associated with the role, and as part of an overall team.
• 25% - Manage Credit - Ability to perform judgmental underwriting for commercial customers credit needs in a timely, secure, sound, and consistent ability. Manage receivables & mitigate potential losses through sound credit management strategies & execution.
• Direct Manager/Direct Reports: This Position typically reports to the Area Supervisor Trade Credit Services
• This Position has up to 0 Direct Reports
• Travel Requirements: Typically requires overnight travel less than 5% of the time.
• Physical Requirements: Most of the time is spent sitting in a comfortable position and there is frequent opportunity to move about. On rare occasions, there may be a need to move or lift light articles.
• Working Conditions: Located in a comfortable indoor area. Any unpleasant conditions would be infrequent and not objectionable.

Minimum Qualifications:

• Must be 18 years of age or older
• Must be legally permitted to work in the United States

Preferred Qualifications:

• Working knowledge of Microsoft Office Suite
• Excellent written and verbal communication skills
• Consumer & Commercial Credit underwriting experience strongly preferred, but not required.
• Experience in Credit Risk Management or related field.
• Strong analytical skills with experience transforming data into actionable information.
• Exhibited ability to work independently.
• General knowledge of retail business, financial services industry, economy, and business trends.
• Manage and respond to requests for credit, processing applications using financial documents to analyze credit.
• Ensures adherence to Credit policy, guidelines, and regulatory requirements.
• Very strong communication skills, both verbal and written. Sound decision-making skills.
• Customer service and collections soft skills.
• Able to strategically analyze business problems and opportunities. Exhibited ability to work independently.
• Minimum Education: The knowledge, skills and abilities typically acquired through the completion of a bachelor's degree program or equivalent degree in a field of study related to the job.
• Preferred Education: The knowledge, skills and abilities typically acquired through the completion of a bachelor's degree program or equivalent degree in a field of study related to the job.
• Minimum Years of Work Experience: 1
• Preferred Years of Work Experience: 1
• Minimum Leadership Experience: No previous leadership experience
• Preferred Leadership Experience: No previous leadership experience
• Certifications: None
• Competencies: Action Oriented
• Collaborates
• Drives Engagement
• Communicates Effectively
• Customer Focus
• Drives Results
• Manages Conflict