Sr Credit Analyst - ePlus inc.

As a Senior Credit Analyst, you will be responsible for analyzing the credit quality of new and existing customers and recommending, approving credit line amounts, and interfacing with banks for the coordinating and funding of leases and loans.

CORPORATE VALUES

Respectful communication and cooperation:  We prioritize respectful communication, fostering an environment where everyone is treated with dignity and respect.

Teamwork and employee participation:  Collaboration and teamwork thrive through diverse perspectives, both within our teams and in our interactions with our customers.

Work/life balance that supports our employees’ varying needs: We value the well-being of our employees, recognizing that a healthy work-life balance is pivotal to our collective success.

Embracing communities: We embrace and support the communities that nurture us. Our employees' dedication to fostering positive change is a source of immense pride for us.

COMMITMENT TO DIVERSITY, INCLUSION AND BELONGING

We are an equal opportunity employer that does not discriminate or allow discrimination based on race, color, religion, sex, sexual orientation, gender identity, age, national origin, citizenship, disability, veteran status, or any other classification protected by federal, state, or local law.

ePlus is dedicated to fostering, cultivating, and preserving a culture that represents diversity, enables inclusion, and makes our employees feel comfortable bringing their full, unique selves to work. 

YOUR IMPACT

The essential functions of this position include:

• Evaluate credit quality and conduct periodic evaluations of both prospective and existing customer accounts.
• Reviewing customers’ pay history, D&B reports, Moody’s ratings and financial statements to make recommendations on credit limit
• Approve and set-up new customer credit accounts
• Make recommendations on credit line adjustments, as needed
• Conduct due diligence with customers, as required
• Serve as the primary contact in supporting the sales team in credit matters and ensure compliance with all credit department policies
• Document credit-related findings and maintain customer accounts by keeping data current
• Provide credit analysis to ePlus Group’s finance team
• Work with Bank partners to help fund leases and loans
• Maintain portfolio of deals on book
• Proactively Manage bank relationships regarding outstanding AR
• Interact with Field Sales organization for preliminary credit guidance
• Research collections issues and act as credit/collections ombudsman
• Liaise with representatives of banks and other businesses to securely exchange information concerning credit references
• Adhere to  the ePlus Credit Policy as required to comply with industry best practices and SOX reporting requirements
• Serve as the main liaison with and accounting teams to address and resolve issues
• Manage and complete special projects, as required by management

QUALIFICATIONS

• MBA/BA/BS Degree required. Banking or Finance concentration preferred
• 5-7 years of experience as a credit analyst in a bank or commercial business
• Formal bank credit training preferred
• Ability to understand and analyze financial statements, including various financial calculations and ratios
• Ability to summarize analysis, in writing
• Rely on experience and judgment to plan and accomplish goals
• Ability to work well under pressure
• Strong sense of organization and professionalism
• Detail-oriented and persistent nature
• Familiar with U.S. GAAP

POSITION SPECIFICS

The base salary range for this position at commencement of employment is expected to be between $80,000 and $110,000 annually; however, base pay offered may vary depending on multiple individualized factors, including market location, job-related knowledge, skills, and experience. The total compensation package for this position may also include other elements, including commissions and discretionary bonuses, in addition to a full range of medical, financial, and/or other benefits (including 401(k) eligibility and various paid time off benefits, such as vacation, sick time, and personal leave), dependent on the position offered. Details of participation in these benefit plans will be provided if an employee receives an offer of employment. ePlus Benefits highlights can be viewed here.

If hired, employee will be in an “at-will position” and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors.

Notice to Recruiting Agencies: ePlus only accepts unsolicited resumes when presented directly by a candidate. Unsolicited resumes submitted to ePlus from any other source will be considered ePlus property, and will not qualify for any placement or referral fees. ePlus will only pay such fees in connection with a valid written agreement between ePlus and the referring agency, and then only after providing advance written approval to the referring agency to submit resumes in connection with a particular opportunity.

PHYSICAL REQUIREMENTS

While performing this role, you will engage in both seated and occasional standing or walking activities. We provide reasonable accommodations, in accordance with relevant laws, to support success in this position.

By embracing our values, you will contribute to our collective mission of making a positive impact within our organization and the broader community. We understand that this job description serves as a guide and is not an employment contract.

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