The Senior Credit Analyst is responsible for effectively and efficiently granting and maintaining credit limits, overseeing account debtor profiles, and managing credit limit expirations in addition to responding to client credit requests. In addition to daily responsibilities, the Senior Credit Analyst assists management in spreading financials, preparing written credit proposals, and presenting analysis to various credit committees. The Senior Credit Analyst reports to and works closely with the VP-C to ensure compliance and protect the company against loss. The Senior Credit Analyst is expected to stay informed on industry trends as it relates to concentration in the portfolio and debtor risk.

• Evaluate the credit worthiness of current and prospective commercial account debtors through the review of financial statements, use of mercantile credit reports, public information databases, internal payment history and any other information that could serve as a basis for establishing a reasonable credit limit.

• Assist management in the preparation of written credit proposals and presentations to various credit committees.

• Prepare written analysis of current and prospective credit exposures.

• Assist in maintaining and reviewing current information for account debtors as per company policy.

• Stay informed on industry trends as it relates to concentration in the portfolio and debtor risk.

• Review credit alerts to be sure the company's risk is manageable.

• Provide assistance to external and internal customers through phone and email.

• Maintain communication with Account Resolutions, Sales, Underwriting, and Operations departments to minimize credit losses.

• Review debtors for prospective clients and communicate with the Sales staff through Salesforce.

• Trains, mentors, and assist management in developing new team members on the credit team.

• Work with management to determine and communicate potential business needs that require IT support.

• Work with management to review credit losses and explore potential changes in credit standards or processes.

• Other duties, as assigned.

• Bachelor's degree in business, finance, or related field is required.

• Master's degree in accounting or finance is preferred, but not required.

• A minimum of three (3) to five (5) years of experience in credit analysis and risk management.

• Widespread knowledge of the transportation and/or logistics factoring industry is strongly preferred.

• Extensive understanding of financial statements (analytics and trends) is a must.

• Ability to read, interpret, and analyze financial statements.

• Must have a deep understanding of spreading financial statements.

• Problem solving and decision-making skills are essential.

• Initiative and ability to work independently and as part of the team.

• Strong work ethic and organizational skills.

• Must be proficient in Microsoft Word and Excel.

• Ability to handle multiple tasks while maintaining attention to detail.

• Strong professional communication skills.

• Well organized, resourceful, and planful; effective and efficient at organizing multiple resources to get things done.

• Ability to comfortably work through conflict without hesitation and make challenging decisions

The work environment characteristics described here may be encountered while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Moderate noise (i.e. business office with computers, phone, and printers, light traffic).

• Ability to work in a confined area.

• Ability to sit at a computer terminal for an extended period of time. Occasional stooping or kneeling may be necessary.

• While performing the duties of this job, the employee is regularly required to stand, sit, talk, hear and use hands and fingers to operate a computer keyboard and telephone.

• Specific vision abilities are required by this job due to computer work.

• Light to moderate lifting is required.

• Regular, predictable attendance is required.

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Triumph Financial Inc. and its subsidiaries reserve the right to modify this job description at any time, with or without notice. This job description in no way implies that these are the only duties, to be performed by the employee occupying this position. This job description is not an employment contract, implied or otherwise.

Equal Employment Opportunity Statement: Triumph Financial, Inc. and its subsidiaries, provide equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, national origin, age, disability, genetic information, marital status, or status as a covered veteran in accordance with applicable federal, state and local laws.