ANALYST,CREDIT

at  Autozone

SUMMARY

Responsible for analyzing credit and financial reports to determine risk involved in extending credit. Each analyst is responsible for $325MM portfolio. He/she is tasked with partnering with sales to support an annual growth of 20% or $65MM. Risk Analysts are charged with scrutinizing financial data and analyzing/assessing risk exposures to minimize the risk of loss arising from failure of customers to repay their line of credit. The Senior Analyst has authority to establish $15k line of credit for small, regional, and large automotive repair/service concerns. The Sr. Analyst collaborates with the sales team to develop risk mitigation strategies when structuring marginal deals and recommends appropriate exposure limits based on portfolio performance.

• Analyzing current and past financial data and performance. Performs financial analysis, identifies risk, and interprets data for management’s use in rendering sound credit decisions.
• Monitors performance of assigned regions on a period basis against key business / performance metrics; communicates and works with Credit Manager / Sales leadership to identify potential drivers to variance.
• Prepare written financial analysis and oral presentations that support sound credit recommendations consistent with the credit profile of the business.
• Identify watch list candidates on a daily basis and recommend actions to support sales while managing the credit risk exposure.
• Perform credit limit administration, regulatory and policy reporting functions, including support for all of the department’s compliance and audit requirements.
• Assure applications for new accounts are in compliance with the State and Federal approval regulations and AutoZone’s policies and procedures.
• Prepare analysis for management and the sales team pertaining to customer credit worthiness credit portfolio risk, or general credit matters.
  Perform other duties as required