Description

Credit Analyst
On Site in Vernon, BC 

Role Description

The Credit Analyst is responsible for managing an assigned portfolio of new and existing complex credit files with the goal of maximizing revenue and liquidity, while minimizing bad debt expense.  This will involve conducting formal credit reviews for both new and existing credit within the established Levels of Authority (LOA), as well as establishing agreed terms of trade to customers in conjunction with Sales Management and the Manager, Credit.

The Credit Analyst will work with the Sales team to ensure adherence to the Credit Policy and collaborate to make sound judgements regarding customer sales and credit decisions.  In addition, the Credit Analyst will work closely with the Supervisor, Credit and Credit Management team and will provide mentorship to the Credit Representatives.

Core Responsibilities

Credit File Adjudication

• Evaluate customer credit worthiness of complex or large credit customers by use of internal and external credit reports and through financial statement analyses
• Make credit recommendations within established guidelines and LOAs

• Properly utilize Credit Tools and Technology
• Ensure compliance to credit policy and code of ethics

Credit Portfolio Management

• Conduct periodic review of customer base and adjustment of customer credit limits as needed per established LOAs
• Manage credit hold/releases per the established credit policy and systems configuration settings
• Monitor changes in customer and AR portfolio risk
• Focus on protecting company commercial interests & legal rights
• Foster a professional collaborative relationship with internal and external customers to resolve matters that impact billings, receivables and liquidity

Credit Team Leadership and Support

• Provide coaching and training support to Credit Representative
• Participate in recruitment process when requested
• Support Supervisor, Credit with rollout and maintenance of credit metrics and performance measures

Credit Knowledge Development

• Maintain appropriate financial analysis skills in order to review financial statements (balance sheets, income statements of existing and potential customers to support the credit exposure)
• Maintain an understanding of industry and economic trends
• Research and participate in formal credit management education and training courses as well as participate in setting training and education objectives/goals for the credit team

Work Experience

• Minimum 4 years’ Commercial Credit Management experience

Knowledge, Skills and Abilities

• Proficient use of MS Office suite (Excel, Word)
• Ability to work in a fast-paced/multi-task environment
• Excellent time management skills
• Ability to meet deadlines
• Strong analytical skills and understanding of analytics / ratios related to credit
• Excellent verbal and written communication skills
• Great customer service
• Bilingual in French would be an asset

Education

• High School Diploma, GED or equivalent
• Working towards Commercial Credit Administration Program (CCAP) certification, or equivalent credit sector experience 

WHAT WE OFFER

• The target salary range for this position is $49,369 to  $56,102 per year based on experience
• Comprehensive medical and dental benefits
• Employee Assistance Program
• Group RRSP/DPSP matching program
• Discount on tires and mechanical service
• Positive work culture, opportunities for growth and development, and work-life balance.
• Opportunities for professional development, such as training programs, mentorship, and tuition reimbursement

Solving our customers’ automotive challenges and making a positive impact - It’s how we roll, and it’s been that way since Tom Foord opened the doors to Kal Tire in 1953 in beautiful Vernon, BC. Over the years, we’ve become a trusted partner for large and small industries and fleets across Canada. Our customers rely on our expertise, our make-it-happen approach to service, and our lineup of the most trusted tire brands in over 260 retail locations coast to coast. Kal Tire is also the largest truck re-treader in Canada, with 11 retread facilities across Canada and internationally, and has a state-of-the-art tire recycling facility in Chile, where 40% of the weight of scrap tires is recycled to return to mines as an alternative fuel. In addition, Kal Tire’s Mining Tire Group is an international leader in mining tire service and supply, servicing more than 150 mine sites across five continents. Kal Tire offers a culture that fosters inclusion and respect. We are committed to providing accessible employment practices in compliance with the AODA and AMA. Accommodation requests can be made at any stage of the recruitment or employment process. Applicants are asked to make their needs/requirements known.