*Conduct customer trade credit analysis on new and existing customer accounts.*Contact Internal and External customers as needed*Utilize established credit scoring models*Gather and analayze all essential documentation, including: Internal and external Sales and AR history through SAP and BI software Bank and trade references External credit reports*Conduct financial statement analysis*Recommend credit limits and terms based upon thorough evaluation*Assist, crosstrain and backfill for various analytical duties, including: Detailed metrics analysis to management Monthly sales commission

*Analyzed credit using credit reports and internal software that gave a customer's payment history.*Reviewed loan requests as presented to credit for approval, including but not limited to collateral, terms, conditions, guarantors, company history. *Reviewed customers' financial statements utilizing a financial software package. *Assessed the results posted by the customer and various ratios and trends.*Completed credit writeups for presentation to committee for approval for customers with total outstandings with the bank over $500K.*Managed a streamline process for credit reviews for customers with total outstandings at the bank under $500K.*Reviewed credit files for current and needed information. *Analyzed annual information provided by the customer.*Assessed and understand the collateral, value of collateral, use of collateral, location of collateral.*Responsible to know, understand, and comply with all applicable laws and regulations.