Credit Analyst

JOB DESCRIPTION

Reporting to the Senior Credit Manger, the Credit Analyst is accountable for the consistent application of a credit policy in part related to credit reviews, periodic credit reviews of customer credit lines, and the assessment of the creditworthiness of potential customers. This position is responsible for supporting the management and execution of credit file review processes.

RESPONSIBILITIES

Identify legal entities, review, and analyze credit files, and make credit recommendations on overall creditworthiness of a given customer/group of customers

• Utilize all the available information provided by customers, credit bureaus, and bank records.
• Arrive at a consistent credit rating of buyers by performing a financial and credit analysis.
• Make recommendations to the VP of Corporate Credit and relevant stakeholders.
• Review legal documentation and ensure proper follow up of credit decisions.
• Monitor high risk customers/group of customers.

Determine lending conditions of a given customer/group of customers

• Make recommendation of credit limit based on customer's financial results, credit agencies, and other relevant lending information

Communication with Trade Credit Insurance Providers

• Together with Vice President Corporate Credit and Credit Mangers liaise with Trade Credit Insurance Providers to assure timely updates of credit insurance coverage of accounts.
• Properly file and make available for qualified team members all incoming and outgoing e-mails, files, and other messages to maintain control and transparency of such communications.

Assist with credit file review processes and support credit files reviews workload

• Identify areas of improvements in existing credit process/separate tasks.
• Prepare and substantiate changes to such processes.

Maintain current knowledge of target industries, customers, and customer portfolios

• Participate in seminars, conference calls, case studies offered by business credit reporting agencies.
• Read communications, news updates, news digests, customer updates, credit report updates, bankruptcy and insolvency bulletins, industry reviews etc.

QUALIFICATIONS

• Business degree or college certificate
• 2-3 years' experience as a credit analyst or similar role
• Experience in Domestic Credit, and possess a strong acumen in reading and analyzing financial statements
• Ability to work in a time sensitive environment and transition easily between tasks
• Effectively communicate across all levels within the organization
• Experience with customer communications and negotiations
• Understand and maintain the requirement of strict confidentiality
• Good analytical background. Full working knowledge of MS Excel, MS Word, MS PowerPoint

ABOUT US

Founded in 1882, J.D. Irving, Limited (JDI) operates in Eastern Canada (New-Brunswick, Nova Scotia, Prince Edward Island, Québec, Ontario, Newfoundland and Labrador), as well as in USA. We are a team of 20,000 dedicated employees. At J.D. Irving, Limited, you are part of a dynamic team of professionals who lead with integrity and are passionate about delivering results. With a culture that nurtures talent and creates an inclusive workplace, you can grow your career across our various operating divisions.

We are committed to creating accessible environments for our colleagues, candidates, and customers. Requests for accommodation due to a disability (which may be visible or invisible, temporary, or permanent) can be made at any stage of application and employment. We encourage candidates to make their accommodation needs known so that we can provide equitable opportunities.

Worried you do not meet all the requirements? Studies have shown that many applicants apply only to job opportunities when they feel they meet 100% of the criteria. We promote an inclusive environment where everyone is appreciated, recognized, and empowered to contribute fully. If you are interested in this position but are worried you did not meet all the requirements, we would encourage you to still apply.

Our recruitment advisors and hiring teams will utilize human screening combined with AI technology to help identify the skills and qualities that matter most to our business, while safeguarding your privacy and using AI responsibly.

We appreciate your interest in our company however only those candidates selected for an interview will be contacted.

ABOUT THE TEAM

Corporate

Want to be part of a team that supports a rapidly growing, diverse group of companies spanning multiple industries? Headquartered in Dieppe, New Brunswick, J.D. Irving Moncton-based companies have plants, terminals, operations, and sales offices throughout Canada and the United States. We are a dynamic, rapidly growing, and successful group with diverse interests.

We're proud to be part of the larger J.D. Irving group of c ompanies , a family-owned business whose commitment to quality products and services dates back to 1882.

The successful candidate will receive a competitive salary aligned with their skill, ability, and experience, along with a comprehensive package including:

• A dynamic, safe, and rewarding work environment

• Opportunities for growth and career advancement

• A flexible health and dental benefits package

• Life and disability insurance

• Enrollment in the company RRSP matching program

• Wellness benefits including an in-house gym and fitness and weight management reimbursement

• Employee Assistance Plan (EAP)