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 $5k 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. RESPONSIBILITIES · 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 (email and phone calls) 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.