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Credit Analyst 1/2

Level 1 - Analyzes standard financial statements and observes discussions pertaining to more complex financial statements to gain increased understanding of the analysis process. Observes discussions of experienced employees regarding contractual agreements for basic, standard contracts to gain knowledge of the due diligence process and contract risk assessment of suppliers. Performs ongoing monitoring of potential risk events. Works under close supervision.
Level 2 - Analyzes financial statements to determine an entity's ability to perform supply agreements. Performs ongoing monitoring of potential risk events. Participates in risk assessments and the determination of due diligence of suppliers taking into consideration management capabilities, competitive position, regional market status and access to capital. Participates in the risk assessment of suppliers regarding contractual agreements (typically subject to management review) for basic supply agreements. Works under general supervision.

Competencies

General


 Adaptability
Tries to understand changes in work-group tasks, situations, and the department as well as the logic or basis for change; occasionally seeks information about changes affecting their individual job. Treats changes and new situations as opportunities for learning or growth; focuses on the beneficial aspects of change; speaks positively about the change to fellow work group members. Quickly modifies behavior to deal effectively with changes in the work environment; readily tries new approaches appropriate for new or changed situations; does not persist with ineffective behaviors.

 Communication
Makes an effort to clarify purpose and importance; stresses major points; follows a logical sequence. Tries to keep the audience engaged through use of techniques such as analogies, illustrations, humor, an appealing style, body language, and voice inflection. With guidance from others frames messages in line with audience experience, background, and expectations; tries to use terms, examples, and analogies that are meaningful to the audience. Occasionally seeks input from audience; checks understanding; tries to present message in different ways to enhance understanding. Uses syntax, pace, volume, diction, and mechanics appropriate to the media being used. Interprets messages from others and responds appropriately; at times requires guidance from others on how to respond.

 Contributing To Team Success
Occasionally makes procedural or process suggestions to work group members for achieving team goals or performing routine team functions; tries to provide necessary resources or helps to remove obstacles to help the team accomplish its goals; listens to and involves others in team decisions and actions; values and uses individual differences and talents; shares important or relevant information with the team; adheres to the team's expectations and guidelines; fulfills team responsibilities; demonstrates personal commitment to the team.

 Decision Making
Generally recognizes routine issues, problems, or opportunities in own work area and determines whether action is needed; generally identifies the need for and collects information to better understand issues, problems, and opportunities; tries to integrate information from different sources; detects trends, associations, and cause-effect relationships; generally creates relevant options for addressing problems/opportunities and achieving desired outcomes; develops an understanding of decision criteria; evaluates options by considering implications and consequences; chooses an effective option; generally implements decisions or initiates action within a reasonable time; gains experience in including fellow work group members in the decision-making process as warranted to obtain good information, makes appropriate decisions, and ensures buy-in and understanding of the resulting decisions.

 Managing Work
Has a general sense of more critical and less critical activities and tasks within own work group; adjusts priorities when appropriate. Tries to ensure that required equipment and/or materials are in appropriate locations so that own and others' work can be done effectively. Allocates own time to complete work; tries to coordinate own and others' schedules to avoid conflicts. Has a general understanding of available resources (individuals, processes, departments, and tools) to complete work efficiently. Generally uses time effectively and usually prevents irrelevant issues or distractions from interfering with work completion. Technical


 Accounting Theory
Basic - Basic knowledge of accounting theory, concepts, and principles, such as, income statements, balance sheets, debits and credits.
Preferred - General knowledge of accounting theory, concepts, and principles in a functional accounting area. General understanding of how the job functions relate to the above.

 Analytical Skills
Basic - Skill and ability to: collect, organize, synthesize, and analyze data; summarize findings; develop conclusions and recommendations from appropriate data sources.
Preferred - Skill and ability to: collect, organize, synthesize, and analyze data; summarize findings; develop conclusions and recommendations from appropriate data sources at the work group level.

 General Financial Knowledge
Basic - Basic knowledge of financial concepts, such as, time value of money, present value, future value, internal rate of return, annuity, and amortization table development.
Preferred - General knowledge of financial concepts, such as, time value of money, present value, future value, internal rate of return, annuity and amortization table development.

 Influences Others
Basic - Not Available
Preferred - Demonstrates basic ability to state what is needed to persuade and convince others without causing defensiveness and to inspire others to take action. Begins to build relationships to gain support and commitment from others, promotes ideas with enthusiasm and conviction. Ability to provide rationale for arguments and use appropriate level of persistence on activities of moderate scope and complexity.

Typical Education/Experience

Level 1 - Bachelor's degree. Level 2 - Bachelor's degree and typically 3 or more years' related work experience, a Master's degree and typically 1 or more years' related work experience or an equivalent combination of education and experience.

Other Job related information

*** Please note that depending on the specific position, you may be required to pass additional medical tests, credit checks, and/or other requirements. These additional items are required for the Company to comply with various laws and regulatory rules.***

Every job requisition has specific and unique requirements listed under 'Description', 'Competencies', and 'Education'. Applicants will increase their opportunities for consideration by demonstrating compatibility with these requirements in their resumes.

The job specifications - including competencies (knowledge, skills, abilities, and other characteristics), job-relevant work experience, education, and other requirements described in this requisition - will be the basis for applicant screening, including resume reviews, structured interviews and any other assessments used to support the hiring decision. All candidates considered for this position may be required to participate in a structured interview. The structured interview is a standardized method of evaluating candidates' job-related competencies to support an objective selection and promotion process.