Credit Analyst & Key Account Specialist - Holt of California

Holt of California is proud to be part of the elite group of Caterpillar dealers worldwide. We sell service and rent a wide-variety of equipment Including Large and Small Construction Tractors, Forklifts, and Prime/Stand-by-Power Generation.

THIS POSITION IS LOCATED IN PLEASANT GROVE CA. 

POSITION SUMMARY

Directly responsible for the following:

• Compiling, reviewing and evaluating information obtained from potential credit customers to assess credit risk and assign a credit limit.
• Managing all facets of the key account portfolio, including customer relationships, resolving disputes and collecting receivables.
• Assisting the Credit Manager with the day-to-day credit department activities and manager reports.

QUALIFICATIONS REQUIREMENTS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed below are representative of the knowledge, skill and/or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

ESSENTIAL FUNCTIONS

• Process credit applications
• Research trade and bank references given on credit applications.
• Run credit reports as needed.
• Read and understand terms and conditions of contracts and the implications of crossing out terms and conditions on Holt’s credit application and other agreements.
• Enforce department policies and procedures to maximize customer collections and minimize credit risk while maintaining customer business relationships.
• Display the ability to evaluate all pertinent credit information, including financial statements and other financial information to assess credit risk. Use judgment to assess the need to obtain more information as credit risk increases.  
• Establish credit limitations on customer accounts based on the assessment of collection risk.
• Use judgment to leverage all financing tools available to meet the needs of our customers. Propose down payment requirements, payment plans, extended terms, CAT finance options, etc.
• Display the skills necessary to manage all aspects of collecting Holt’s key customer accounts. Including, reconciling accounts, resolving short payments, addressing disputed charges and recommending further collection actions to the Credit Manager.
• Schedule regular meetings with key customers to ensure customer needs are met.
• Display Excel skills to prepare account reconciliation’s, management reports and other analysis to support the department objectives.
• Display the ability to multitask, prioritize and delegate when necessary.
• Written and verbal communication must be clear and concise with both internal and external customers.
• Display leadership skills to supervise day-to-day department activities, field questions, and resolve disputes.
• Knowledge of California lien laws with a construction industry background is preferred but a well-rounded background in the credit and collections process is required.
• While not having direct supervisory responsibility the position will assist the credit manager with training employees; planning, assigning, and directing work; addressing complaints and resolving problems.
• Other duties may be assigned.

QUALIFICATIONS

• Accountability - Ability to accept responsibility and account for his/her actions.
• Accurate - Ability to perform work accurately and thoroughly.
• Analytical Skills - Ability to use thinking and reasoning to solve a problem.
• Assertiveness - Ability to act in a self-confident manner to facilitate completion of a work assignment or to defend a position or idea.
• Customer Oriented - Ability to take care of the customers' needs while following company procedures.
• Detail Oriented - Ability to pay attention to the minute details of a project or task.
• Organized - Possessing the trait of being organized or following a systematic method of performing a task.
• Problem Solving - Ability to find a solution for or to deal proactively with work-related problems.

EDUCATION AND/OR EXPERIENCE

Bachelors Degree (BA or BS) or equivalent from a four-year college plus three to five years related experience and/or training.  Proficiency in Microsoft Excel, Word, and PowerPoint is essential. 

SKILLS & ABILITIES

• Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.
• Ability to write reports, business correspondence, and procedure manuals.
• Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
• Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages.
• Ability to apply concepts of algebra and statistics.
• Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.
• Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

CERTIFICATES, LICENSES, REGISTRATIONS

Must have a valid California driver’s license and clean DMV report. 

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

While performing the duties of this job, the employee is regularly required to sit and talk or hear.  The employee frequently is required to stand, walk, use hands and fingers, handle, or feel objects, tools, or controls; reach with hands and arms; climb or balance; and stoop kneel, crouch, or crawl.

The employee must occasionally lift and/or move up to 25 pounds.  Specific vision abilities required by this job include close vision, depth perception, and the ability to adjust focus.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.  The noise level in the work environment is usually quiet.

COMPENSATION

Pay Range: $29.80 - $32.69 Hourly

Pay Range Dependent on Knowledge, Skills, and Ability.

Wage depends on knowledge, skills and ability to perform the responsibilities of the job.

WHY WORK FOR HOLT OF CALIFORNIA?

Excellent company paid benefits, paid life insurance,401(k), and profit sharing plan. Paid vacations and holiday.

Holt is an Equal Opportunity Employer M/F/V/DV. Holt provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, age, national origin, physical or mental disability, all applicable veteran status or disabled veteran status.

For more information about our California Employee Privacy Policy, please click on link below.

Privacy Policy

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c) Administration