OTC Credit Analyst - US Shifts (after-noon)

General Summary:

 The Credit Analyst will provide quality assurance and data analysis support for the organization.  He needs to identify and analyze the areas of potential risk threatening the success of Mood Media. They are responsible for predicting change and future trends, as well as forecasting costs.

The Credit Analyst must be comfortable working in a fast-paced environment with frequent tight deadlines under minimal supervision. Must be comfortable working efficiently and effectively with both internal and external stakeholders.

Essential Job Functions and Responsibilities:

• Establish & enforce deposit policy around at-risk clients
• Determine deposit thresholds & who the policy applies to
• Set up the policy in Oracle so this flows automatically
  • Eliminate need for
• Evaluate credit worthiness and establish client limits by client type or industry
  • This drives automatic credit hold
  • Work with business system to setup the system
• Negotiate payment term extensions to ensure transactions are properly secured
• Identify at risk industries & clients based on aging & payment trends
  • Create predictive risk model
• Deliver in-depth perspective on risk
• Interface with Sales organization to implement policy to reduce future risk
• Third Party agency
  • Create scorecard on activity
  • Create Placement
  • Approve & submit timely write-off requests
  • Track payments
  • Answer emails / questions they might have
  • Review accounts for placement
  • Identify areas of weakness / coaching for Credit Control Supervisors
• Initiate process improvement & quality reviews to simplify & improve productivity.
• Analyze data to better understand potential risks, concerns and outcomes of decisions
• Monitor internal and external data points that may affect the risk level of a decision

Knowledge/Skills/Abilities

• Analytical mind and problem-solving aptitude with a keen eye for detail
• Experience flourishing in an environment of fast growth and ambiguity
• Critical thinker and experience thinking clearly under pressure
• Disciplined, organized, and flexible

• Flexible work schedule to accommodate peak times

• Critical thinker, ability to negotiate with key stakeholders and maintain positive attitude

• Strong working knowledge of Oracle operating system and company business processes

• Self-starter, self-motivated, driven individual
• Medium excel skills (Forecast and Trend excel tools, Data & Pivot tables, Functions, etc.)

• Associates degree or higher is required. Accounting or Finance degree is preferred.
• B2B Experience is a Must
• Experience negotiating and administering contracts and agreements
• Experience analyzing complicated transactions/issues and following through with credit recommendations and decisions
• Experience reading, understanding, analyzing and interpreting financial information and statements
• Excellent verbal and written communication skills
• Detail oriented and excellent organizational skills
• Advanced PC skills with Windows applications including but not limited to Excel and Word
• Candidate must be goal oriented and ability to work in fast-paced environment
• Ability to work independently with a strong work ethic and desire to succeed

• Critical thinking skills with the ability to independently solve problems with data
• Quantitative and analytical skills with a demonstrated ability to understand new analytical concepts