Credit Analyst

Ace Hardware Corporation is seeking a Credit Analyst to manage a multi-million-dollar portfolio of retail store accounts. The role involves advanced financial statement analysis, underwriting retailer loans, and mitigating risks to protect the Cooperative from financial losses. Responsibilities Analyze and decision new Member Applications within designated authority and territory Underwrite Loan Applications within designated territory Determine appropriate credit limits within designated authority and territory Disposition blocked retailer orders timely and in line the retailer's risk profile Establish payment plans to resolve retailer past due balances Skills Ability to quickly read, interpret and analyze financial statements including balance sheets, income and cash flow statements, and proforma data to produce a professional written analysis Manage a portfolio of accounts including setting credit limits, order release, and working with past due retailers to develop solutions and payment plans as needed Self-motivated, with a strong work ethic, well organized and able to perform with limited supervision in order to work effectively within various deadlines and time constraints Excellent verbal and non-verbal communication and negotiation skills Proficient with SAP or equivalent ERP system, MS Office Suite, database queries and reporting A four year business degree (preferably in Finance, Economics or Accounting) Familiarity with business and credit laws and prior experience working with legal contracts Benefits Incentive opportunities, based on role/grade level (rapid company growth over the past 5 years resulted in incentives being paid out at an average of 122% of your target opportunity!) Generous 401(k) retirement savings plan with a fully vested matching contribution the first year in addition to quarterly contributions and annual discretionary contribution (once eligibility requirements have been met). Over the past 5 years, company contributions (matching, quarterly & discretionary) for fully eligible employees have averaged 10.4% of total eligible compensation. Comprehensive health coverage (medical, dental, vision and disability – up to 26 weeks short-term disability and long-term disability) & life insurance benefits for you and your dependents 21 days of vacation immediately available (prorated in the first year) and up to 6 paid holidays depending on the month of hire Your career at Ace is more than just a job. It’s a chance to be part of something meaningful. We help locally-owned businesses thrive and make an impact in their communities – and we support our employees in doing the same by offering an annual Ace Cares Week, 20 hours off work per year to volunteer at an organization of your choice, opportunities to help Children’s Miracle Network Hospitals and the Ace Helpful Fund through the Ace Foundation Ace invests in every employee we hire, with a key focus on development and coaching. We offer on-site classes, facilitator-led courses, and a generous tuition assistance program, plus a performance management approach that goes beyond the typical annual review We know the work environment matters. That’s why Ace holds frequent campus events like Employee Appreciation Week, vendor demos, cookouts, and merchandise sales We bring them to you! Services such as mobile spas, auto maintenance, car wash and detailing, dry cleaning, dentists, eye doctors, flu shots, recycling and more! Employee discounts on Ace merchandise (including top brands like Weber, Traeger, Yeti, Craftsman, DeWalt and more), travel, fitness, computers and thousands more Birth/Adoption bonding paid time off Adoption cost reimbursement Employee Assistance Program (EAP) – access to free visits to therapists and lawyers, guidance on financial matters, elder and childcare, and assistance with tickets to entertainment events Identity theft protection Benefits are provided in compliance with applicable plans and policies. Company Overview Ace Hardware is the largest retailer-owned hardware cooperative in the world with over 5,800 locally owned and operated hardware stores in approximately 70 countries. It was founded in 1924, and is headquartered in Oak Brook, Illinois, USA, with a workforce of 10001+ employees. Its website is