Credit Risk Analyst

  
It’s not a package. It’s a promise(R).
 
As Canada’s leading integrated freight, package, and logistics provider, we’ve been helping promises get where they need to be for more than 60 years. How does the magic happen? The journey starts with you. The places we go, the elements we brave, the promises we deliver – it’s all possible because of our people. So, whether you’re looking to build new skills, make an impact in your community, or inspire your team, we go there for you.
Job Description
Description
Reporting to the Credit & Risk Manager, the
Credit and Risk Analyst will be responsible for assessing and managing the Credit Risk associated with the company's lending and credit operations. They will play a critical role in safeguarding the company's financial health by ensuring that credit decisions are made with a clear understanding of potential risks and by implementing strategies to mitigate these risks. They will follow processes for the operational management of Credit Risk, credit approvals, and protective filings and recommend continuous improvement to those processes. They will review, advise, and provide feedback to the Credit and risk Manager to update Purolator’s Corporate Credit Policy for continuous improvement and broader protection of Purolator overall. They will collaborate closely with cross-functional teams to assist the Credit and risk Manager in developing effective Credit Risk management strategies.
They will plan, organize, coordinate, manage, control, and execute the functions, programs, services, and activities assigned to Credit & Risk Management, including approvals, and extended terms to ensure that programs are operating within the appropriate fiscal parameters and remain in compliance with federal requirements. They will perform a review and monitor all open receivables on an ongoing, continuous basis to ensure the customer’s continued creditworthy status with Purolator. They will act as a subject matter expert in credit & risk and will be expected to provide project support for any Credit Risk corporate initiatives.  
Requirements
-Minimum 10 years’ experience (inclusive of 3 academic years) in credit/collections in a multi–Business Unit environment – 10+ years’ working experience.
-BA or BBA completion preferred
-Knowledge of credit & collections principles, processes, regulations, and standards
-Developed proficiency of Microsoft Office and SAP FICO is essential.
-Proactive and self-motivated – this role requires an ability to work in a fast-paced environment with the ability to manage multiple tasks and complete multiple competing requests promptly with the ability to prioritize their workflow with little to no direction.
-Experience and understanding of credit granting/credit management plans.
-General adjustment or collection experience is required with knowledge of
SAP FICO
and interfaces with other SAP ERP Modules like BI.
-The requirement is to be highly analytical with a strong level of detail
-Proactive in identifying possible issues, identifying, and eliminating root causes of existing issues, and establishing the best course of action.
-Be a skilled communicator with demonstrated diplomacy and tact when working with Customers, Sales, and Trustees to resolve customer delinquency or payment issues
-Demonstrate negotiation skills when dealing with difficult situations arising between Customers and paying on time as well as Court settlements in protective filings
-Responsible for creating and providing reports using KPIs for Senior Management to make strategic decisions.
 
 
POSTING DETAILS
Location:                    530 - Corporate  
Working Conditions: Office Environment 
Reports to:   
Sr Mgr Accounts Receivable Collections 
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Purolator is an equal opportunity employer committed to diversity and inclusion. We consider all qualified applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, Aboriginal/Indigenous status or any other factors considered discriminatory. If you require an accommodation during the recruitment process, we will work with you to meet your needs.
We recognize that our employees and their families are key stakeholders. We will only be successful as a business if we provide our employees with a safe and healthy workplace and we have the right people in the right roles with the support they need to succeed. We hire for attitude and train for skills.  To learn more about us and our values, go to purolator.
At Purolator, every day is an opportunity for our employees to connect with one another and with our customers to help make a positive impact in the communities where we live, work and play.