ePlus
Sr Credit Analyst
ePlus, Herndon, Virginia, United States, 22070
Overview
As a Senior Credit Analyst, you will be responsible for analyzing the credit quality of new and existing customers and recommending, approving credit line amounts, interfacing with banks for the coordinating and funding of leases and loans.
Responsibilities
CORPORATE VALUES
Respectful communication and cooperation: We prioritize respectful communication, fostering an environment where everyone is treated with dignity and respect.
Teamwork and employee participation: Collaboration and teamwork thrive through diverse perspectives, both within our teams and in our interactions with our customers.
Work/life balance that supports our employees' varying needs: We value the well-being of our employees, recognizing that a healthy work-life balance is pivotal to our collective success.
Embracing communities: We embrace and support the communities that nurture us. Our employees' dedication to fostering positive change is a source of immense pride for us.
COMMITMENT TO DIVERSITY, INCLUSION AND BELONGING
We are an equal opportunity employer that does not discriminate or allow discrimination based on race, color, religion, sex, sexual orientation, gender identity, age, national origin, citizenship, disability, veteran status, or any other classification protected by federal, state, or local law.
ePlus is dedicated to fostering, cultivating, and preserving a culture that represents diversity, enables inclusion, and makes our employees feel comfortable bringing their full, unique selves to work.
YOUR IMPACT
The essential functions of this position include:
Evaluate credit quality and conduct periodic evaluations of both prospective and existing customer accounts.Reviewing customers' pay history, D&B reports, Moody's ratings and financial statements to make recommendations on credit limitApprove and set-up new customer credit accountsMake recommendations on credit line adjustments, as neededConduct due diligence with customers, as requiredServe as the primary contact in supporting the sales team in credit matters and ensure compliance with all credit department policiesDocument credit-related findings and maintain customer accounts by keeping data currentProvide credit analysis to ePlus Group's finance teamWork with Bank partners to help fund leases and loansMaintain portfolio of deals on bookProactively Manage bank relationships regarding outstanding ARInteract with Field Sales organization for preliminary credit guidanceResearch collections issues and act as credit/collections ombudsmanLiaise with representatives of banks and other businesses to securely exchange information concerning credit referencesAdhere to the ePlus Credit Policy as required to comply with industry best practices and SOX reporting requirementsServe as the main liaison with and accounting teams to address and resolve issuesManage and complete special projects, as required by managementQUALIFICATIONS
MBA/BA/BS Degree required. Banking or Finance concentration preferred5-7 years of experience as a credit analyst in a bank or commercial businessFormal bank credit training preferredAbility to understand and analyze financial statements, including various financial calculations and ratiosAbility to summarize analysis, in writingRely on experience and judgment to plan and accomplish goalsAbility to work well under pressureStrong sense of organization and professionalismDetail-oriented and persistent natureFamiliar with U.S. GAAP
POSITION SPECIFICS
The base salary range for this position at commencement of employment is expected to be between $80,000 and $110,000 annually; however, base pay offered may vary depending on multiple individualized factors, including market location, job-related knowledge, skills, and experience. The total compensation package for this position may also include other elements, including commissions and discretionary bonuses, in addition to a full range of medical, financial, and/or other benefits (including 401(k) eligibility and various paid time off benefits, such as vacation, sick time, and personal leave), dependent on the position offered. Details of participation in these benefit plans will be provided if an employee receives an offer of employment. ePlus Benefits highlights can be viewed here.
If hired, employee will be in an "at-will position" and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors.
Notice to Recruiting Agencies : ePlus only accepts unsolicited resumes when presented directly by a candidate. Unsolicited resumes submitted to ePlus from any other source will be considered ePlus property, and will not qualify for any placement or referral fees. ePlus will only pay such fees in connection with a valid written agreement between ePlus and the referring agency, and then only after providing advance written approval to the referring agency to submit resumes in connection with a particular opportunity.
PHYSICAL REQUIREMENTS
While performing this role, you will engage in both seated and occasional standing or walking activities. We provide reasonable accommodations, in accordance with relevant laws, to support success in this position.
By embracing our values, you will contribute to our collective mission of making a positive impact within our organization and the broader community. We understand that this job description serves as a guide and is not an employment contract.
#LI-DY1
#IND1
As a Senior Credit Analyst, you will be responsible for analyzing the credit quality of new and existing customers and recommending, approving credit line amounts, interfacing with banks for the coordinating and funding of leases and loans.
Responsibilities
CORPORATE VALUES
Respectful communication and cooperation: We prioritize respectful communication, fostering an environment where everyone is treated with dignity and respect.
Teamwork and employee participation: Collaboration and teamwork thrive through diverse perspectives, both within our teams and in our interactions with our customers.
Work/life balance that supports our employees' varying needs: We value the well-being of our employees, recognizing that a healthy work-life balance is pivotal to our collective success.
Embracing communities: We embrace and support the communities that nurture us. Our employees' dedication to fostering positive change is a source of immense pride for us.
COMMITMENT TO DIVERSITY, INCLUSION AND BELONGING
We are an equal opportunity employer that does not discriminate or allow discrimination based on race, color, religion, sex, sexual orientation, gender identity, age, national origin, citizenship, disability, veteran status, or any other classification protected by federal, state, or local law.
ePlus is dedicated to fostering, cultivating, and preserving a culture that represents diversity, enables inclusion, and makes our employees feel comfortable bringing their full, unique selves to work.
YOUR IMPACT
The essential functions of this position include:
Evaluate credit quality and conduct periodic evaluations of both prospective and existing customer accounts.Reviewing customers' pay history, D&B reports, Moody's ratings and financial statements to make recommendations on credit limitApprove and set-up new customer credit accountsMake recommendations on credit line adjustments, as neededConduct due diligence with customers, as requiredServe as the primary contact in supporting the sales team in credit matters and ensure compliance with all credit department policiesDocument credit-related findings and maintain customer accounts by keeping data currentProvide credit analysis to ePlus Group's finance teamWork with Bank partners to help fund leases and loansMaintain portfolio of deals on bookProactively Manage bank relationships regarding outstanding ARInteract with Field Sales organization for preliminary credit guidanceResearch collections issues and act as credit/collections ombudsmanLiaise with representatives of banks and other businesses to securely exchange information concerning credit referencesAdhere to the ePlus Credit Policy as required to comply with industry best practices and SOX reporting requirementsServe as the main liaison with and accounting teams to address and resolve issuesManage and complete special projects, as required by managementQUALIFICATIONS
MBA/BA/BS Degree required. Banking or Finance concentration preferred5-7 years of experience as a credit analyst in a bank or commercial businessFormal bank credit training preferredAbility to understand and analyze financial statements, including various financial calculations and ratiosAbility to summarize analysis, in writingRely on experience and judgment to plan and accomplish goalsAbility to work well under pressureStrong sense of organization and professionalismDetail-oriented and persistent natureFamiliar with U.S. GAAP
POSITION SPECIFICS
The base salary range for this position at commencement of employment is expected to be between $80,000 and $110,000 annually; however, base pay offered may vary depending on multiple individualized factors, including market location, job-related knowledge, skills, and experience. The total compensation package for this position may also include other elements, including commissions and discretionary bonuses, in addition to a full range of medical, financial, and/or other benefits (including 401(k) eligibility and various paid time off benefits, such as vacation, sick time, and personal leave), dependent on the position offered. Details of participation in these benefit plans will be provided if an employee receives an offer of employment. ePlus Benefits highlights can be viewed here.
If hired, employee will be in an "at-will position" and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors.
Notice to Recruiting Agencies : ePlus only accepts unsolicited resumes when presented directly by a candidate. Unsolicited resumes submitted to ePlus from any other source will be considered ePlus property, and will not qualify for any placement or referral fees. ePlus will only pay such fees in connection with a valid written agreement between ePlus and the referring agency, and then only after providing advance written approval to the referring agency to submit resumes in connection with a particular opportunity.
PHYSICAL REQUIREMENTS
While performing this role, you will engage in both seated and occasional standing or walking activities. We provide reasonable accommodations, in accordance with relevant laws, to support success in this position.
By embracing our values, you will contribute to our collective mission of making a positive impact within our organization and the broader community. We understand that this job description serves as a guide and is not an employment contract.
#LI-DY1
#IND1