Credit Analyst
: Job Details :

VACO Atlanta has partnered with a valued and growing client to hire a Credit Analyst to assist with the processing of credit applications for a new initiative. The role involves analyzing the financial viability of potential clients and monitoring the existing client portfolio to ensure credit quality and manage risk. The analyst will work closely with cross-functional teams, support the AR group with client collections, and perform customer due diligence. Location: Alpharetta, GA Onsite: Onsite for training, hybrid considered after training. Job Type: Contract Compensation: $28 - $31 per hour Hours: M-F; 8:30 - 5pm Key Responsibilities:

• Analyze prospective clients using financial analysis techniques, including balance sheet, income statement, and cash flow measurements, as well as industry factors and portfolio concentration.
• Establish scalable, efficient, and automated credit analysis processes.
• Coordinate with teams to develop financial reporting dashboards.
• Review and make decisions on business credit applications in line with underwriting standards and company guidelines.
• Assess risk and profitability, communicating credit decisions and negotiating applications effectively.
• Research, approve/decline, and monitor existing clients for additional exposure.
• Conduct monthly, quarterly, and annual credit reviews on clients based on departmental procedures.
• Build relationships with the sales team and maintain credit files, tracking and analyzing financial information.

Qualifications:

• Bachelor's degree in Business or Finance, with formal commercial credit training.
• Minimum of three (3) years of commercial credit analysis experience, preferably within a financial institution.
• In-depth knowledge of credit analysisand commercial credit regulations.
• Preferred experience with SQL, Python, or R (or similar programming languages) and Excel/VBA.
• Preferred proficiency in developing Tableau or Power BI dashboards.

Vaco values a diverse workplace and strongly encourages women, people of color, LGBTQ+ individuals, people with disabilities, members of ethnic minorities, foreign-born residents, and veterans to apply.

EEO Notice

Vaco is an Equal Opportunity Employer and does not discriminate against any employee or applicant for employment because of race (including but not limited to traits historically associated with race such as hair texture and hair style), color, sex (includes pregnancy or related conditions), religion or creed, national origin, citizenship, age, disability, status as a veteran, union membership, ethnicity, gender, gender identity, gender expression, sexual orientation, marital status, political affiliation, or any other protected characteristics as required by federal, state or local law.

Vaco LLC and its parents, affiliates, and subsidiaries are committed to the full inclusion of all qualified individuals. As part of this commitment, Vaco LLC and its parents, affiliates, and subsidiaries will ensure that persons with disabilities are provided reasonable accommodations. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact ...@vaco.com .

Vaco also wants all applicants to know their rights that workplace discrimination is illegal.

By submitting to this position, you agree that you will be giving Vaco the exclusive right to present your as a candidate for the foregoing employment opportunity. You further agree that you have represented information about yourself accurately and have not affirmatively misrepresented your qualifications. You also agree to maintain as confidential, to the fullest extent permitted by law, any information you learn from Vaco about the position and you will limit disclosure of information about the position only to the extent necessary to perform any obligations in furtherance of your application. In exchange, Vaco agrees to exercise reasonable efforts to represent you through all solicitation, job screening and resume dispersal.

Privacy Notice

Vaco LLC and its parents, affiliates, and subsidiaries ( we, our, or Vaco ) respects your privacy and are committed to providing transparent notice of our policies.

• California residents may access Vaco's HR Notice at Collection for California Applicants and Employees here.
• Virginia residents may access our state specific policies here.
• Residents of all other states may access our policies here.
• Canadian residents may access our policies in English here and in French here.
• Residents of countries governed by GDPR may access our policies here.

Pay Transparency Notice

Determining compensation for this role (and others) at Vaco depends upon a wide array of factors including but not limited to:

• the individual's skill sets, experience and training;
• licensure and certification requirements;
• office location and other geographic considerations;
• other business and organizational needs.

With that said, as required by local law, Vaco believes that the following salary range referenced above reasonably estimates the base compensation for an individual hired into this position in geographies that require salary range disclosure. The individual may also be eligible for discretionary bonuses.