Sr. Analyst, Underwriting

With a career at The Home Depot, you can be yourself and also be part of something bigger.

Position Purpose:

The Sr. Analyst, Trade Credit Services position is responsible for processes associated with managing and servicing commercial credit customers associated with the Pro Trade Credit program, with greater responsibilities and higher levels of approving authority. The incumbent has an elevated responsibility in managing and establishing credit lines, providing sound receivables management & customer service, and supporting payments & disputes resolution activities as needed. The ability to analyze and solve multiple complex problems associated with information related to customer, sales, and organizational needs is necessary to ensure accurate service levels are met while simultaneously meeting the financial goals of the organization.

Key Responsibilities:

• 25% - Collections and Disputes Management - Develop and maintain accurate collection status records for all accounts.  Resolve customer discrepancies and/or disputes and effect collection of delinquent accounts.  Recommend plans of action to resolve collection accounts and ensure timely & accurate processing of payments.  Recommend when accounts should be placed with outside agencies or attorneys for collection.
• 25% - Customer Service - Directly communicate with customers and internal sales associates or leadership related to credit & collection matters verbally and in writing.
• 25% - Drives Results - Ability to understand, identify, and influence results to help meet key performance metrics for individual and overall team goals.  Ability to propose solutions and identify areas for operational process improvements.
• 25% - Manage Credit - Perform judgmental underwriting for large commercial customers credit needs in a timely, secure, sound, and consistent ability. Manage receivables & mitigate potential losses through sound credit management strategies & execution.
   

Direct Manager/Direct Reports:

• This Position typically reports to the Area Supervisor Trade Credit Services
• This Position has up to 0 Direct Reports

Travel Requirements:

• Typically requires overnight travel less than 5% of the time.
   

Physical Requirements:

• Most of the time is spent sitting in a comfortable position and there is frequent opportunity to move about. On rare occasions, there may be a need to move or lift light articles.

Working Conditions:

• Located in a comfortable indoor area. Any unpleasant conditions would be infrequent and not objectionable.

Minimum Qualifications:

• Must be 18 years of age or older
• Must be legally permitted to work in the United States
   

Preferred Qualifications:

• Working knowledge of Microsoft Office Suite
• Ability to negotiate, handle complaints, settle disputes, and resolve grievances with both internal and external customers
• Excellent written and verbal communication skills
• 2-3 years of experience preferred
• Consumer & Commercial Credit underwriting experience preferred, but not required.
• Experience in Credit Risk Management or related field.
• Strong analytical skills with experience transforming data into actionable information.
• Exhibited ability to work independently.
• General knowledge of retail business, financial services industry, economy, and business trends.
• Manage and respond to requests for credit, processing applications using financial documents to analyze credit.
• Ensures adherence to Credit policy, guidelines, and regulatory requirements.
• Very strong communication skills, both verbal and written. Sound decision-making skills.
• Track record of successfully managing multiple, simultaneous customer service needs.
• Demonstrated excellence at project management for small-to-medium projects.
• Able to strategically analyze business problems and opportunities. Exhibited ability to work independently, and as part of a larger team.
   

Minimum Education:

• The knowledge, skills and abilities typically acquired through the completion of a bachelor's degree program or equivalent degree in a field of study related to the job.
   

Preferred Education:

• The knowledge, skills and abilities typically acquired through the completion of a bachelor's degree program or equivalent degree in a field of study related to the job.
   

Minimum Years of Work Experience:

• 2
   

Preferred Years of Work Experience:

• 2

Minimum Leadership Experience:

• No previous leadership experience
   

Preferred Leadership Experience:

• No previous leadership experience

Certifications:

• None
   

Competencies:

• Action Oriented
• Collaborates
• Drives Engagement
• Communicates Effectively
• Customer Focus
• Drives Results
• Manages Conflict