Commercial Credit Analyst

In this role, you will independently analyze the financial condition, performance, and behaviors of assigned medium to large, complex dealers in Asia, Africa, and the Middle East to assess risk and recommend appropriate credit limits and structures. You will collaborate regularly with the account management teams for the credit and equipment divisions to provide credit support for dealer growth. Your responsibilities will also include supporting ongoing account management activities for dealer relationships, such as problem-solving, financial reviews, and collection and reporting activities. **Key Responsibilities:** - Perform detailed evaluations of financial statements and other reports to assess the overall risk of assigned dealers. • Develop credit recommendations for credit limits and structures to support dealer growth while managing risk within guidelines. • Manage daily transactions and collection activities for dealer relationships to ensure compliance with credit conditions and repayment obligations. • Establish and maintain positive relationships with personnel in dealerships and/or Deere equipment divisions to support credit decisions. • Assist dealers, Deere equipment division, and Deere credit teams with problem-solving, training, and reporting needs. • Support and assist in digitalizing the credit underwriting process using digital solutions. **Qualifications Required:** - Understanding of financial statements, cash flow, and key financial ratios. • Demonstrated financial analysis skills, including risk evaluation and conclusion drawing. • Strong customer service focus with the ability to understand a dealer's business, performance, and long-term needs. • Excellent verbal and written communication skills, along with negotiation abilities. • Self-motivation, organization skills, and flexibility to manage fluctuating workloads. • Ability to work independently and collaboratively in a team environment. • Value and promote Diversity & Inclusion through interactions and actions. • Flexibility to work across time zones as per business requirements. The company may require some travel for this role. If needed, you will be expected to assist with problem-solving, training, and reporting for dealers, Deere equipment division, and Deere credit teams. As part of the role, you will support the digitalization of the credit underwriting process using digital solutions. **Education:** - University Degree in Business/Management or Accounting/Finance discipline or equivalent experience. In this role, you will independently analyze the financial condition, performance, and behaviors of assigned medium to large, complex dealers in Asia, Africa, and the Middle East to assess risk and recommend appropriate credit limits and structures. You will collaborate regularly with the account management teams for the credit and equipment divisions to provide credit support for dealer growth. Your responsibilities will also include supporting ongoing account management activities for dealer relationships, such as problem-solving, financial reviews, and collection and reporting activities. **Key Responsibilities:** - Perform detailed evaluations of financial statements and other reports to assess the overall risk of assigned dealers. • Develop credit recommendations for credit limits and structures to support dealer growth while managing risk within guidelines. • Manage daily transactions and collection activities for dealer relationships to ensure compliance with credit conditions and repayment obligations. • Establish and maintain positive relationships with personnel in dealerships and/or Deere equipment divisions to support credit decisions. • Assist dealers, Deere equipment division, and Deere credit teams with problem-solving, training, and reporting needs. • Support and assist in digitalizing the credit underwriting process using digital solutions. **Qualifications Required:** - Understanding of financial statements, cash flow, and key financial ratios. • Demonstrated financial analysis skills, including risk evaluation and conclusion drawing. • Strong customer service focus with the ability to understand a dealer's business, performance, and long-term needs. • Excellent verbal and written communication skills, along with negotiation abilities. • Self-motivation, organization skills, and flexibility to manage fluctuating workloads. • Ability to work independently and collaboratively in a team environment. • Value and promote Diversity & Inclusion through interactions and actions. • Flexibility to work across time zones as per business requirements. The company may require some travel for this role. If needed, you will be expected to assist with problem-solving, training, and reporting for dealers, Deere equipment division, and Deere credit teams. As part of the role, you will support the digitalization of the credit underwriting process using digital solutions. **Education:** - University Degree in Business/Ma