Credit supervisor job description

American Heritage Credit Union, a $4 billion credit union, has an immediate opening for a

Commercial Lending Credit Supervisor. This position will assist lead and manage Credit Analysts to ensure they are providing ultimate service to the members, employees, vendors, and clients of the Credit Union while maintaining accuracy and consistency. Responsible for the credit granting process, including assessing the creditworthiness of members, minimizing debt losses, investigating credit applications, managing corporate financing programs, and maintaining corporate credit policy.

RESPONSIBILITIES INCLUDE:

• Assist the Commercial Credit Lending Manager with overseeing the daily operations and staff of the credit function in the commercial lending department and establishing service and operating processes and procedures for the credit analyst team.
• Maintain a highly motivated, well-trained staff and evaluate job performance in a timely manner to ensure quality of work and service to members and staff; Review and assign work to staff; Provide training and coaching to new and existing team members; Meet with staff regularly to review goals and develop and implement effective methods for performing their job duties
• Ensure that the Credit Analysts maintain accuracy and consistency while spreading personal and business financial statements and tax returns.
• Analyze business and personal cash flow.
• Evaluate and interpret accounts receivable and payable aging reports.
• Prepare collateral analyses.
• Monitor and track compliance with loan covenants.
• Supervise the commercial appraisal review process.
• Assist with managing the construction lending process including evaluating draw requests, monitoring the construction loan portfolio, and maintaining the construction loan report.
• Assist in the preparation of the NCUA and third-party exams; Interact directly with both federal and third-party examiners and auditors.
• Assist in the preparation of department reports.
• Supervise the environmental review process.
• Review loan closing documentation such as title work, corporate documentation, property/flood searches, and insurance certificates to ensure accuracy and completeness.
• Effectively interact with commercial lending processors, treasury/cash management, third-party partners and vendors such as Member Business Financial Services, LLC and maintain excellent rapport and communication.

QUALIFICATIONS:

• At least 5 to 8 years of similar or related experience in a financial institution.
• Equivalent to a college degree (BS or BA in a relevant field).
• Prior credit management/supervisory experience preferred.
• Experience in the following preferred: Commercial credit analysis, business and personal credit report analysis, appraisal review, environmental review, construction lending, collateral analysis.
• Meridian Link Experience preferred.

Our commitment to your success is enhanced by our competitive rate commensurate with experience and an extensive benefits package including paid time off, health benefits, 401(k) with a generous escalating company match, and future growth opportunities within the company. We work to maintain the best possible professional and environmentally friendly atmosphere for our employees.

To be considered, correspondence should include a resume listing job history and salary expectations. Please be advised that credit, criminal, employment, drug/alcohol testing and education background checks are conducted on potential candidates. All new hires are required to show proof of vaccination status against COVID-19 prior to employment with the Credit Union and/or its subsidiaries. Exemptions to this requirement will be considered on a case-by-case basis in accordance with applicable law. All resumes will be reviewed, but only competitive candidates will be contacted for further conversation.

** Come experience why American Heritage Credit Union is a award winner in the Philadelphia Business Journal Best Places to Work contest!! ** WE OFFER YOU THE RIGHT FINANCIAL SOLUTIONS BECAUSE YOU ARE FAMILY.

EOE M/F/D/V

The Credit Supervisor (internally known as Credit Manager) is responsible for performing credit risk management of the receivables for the Optical Devices Division and large key accounts such as Walmart and Target. Responsible for conducting careful evaluation of financial statements, bank and trade references, and credit reports to determine the credit worthiness of prospective and existing customers. Pursue timely payments, maintain up to date credit files, perform account reconciliation, and release pending orders in compliance with departmental guidelines and corporate credit policies. Make independent credit decisions within their approved authority levels. Responsible for managing the daily activities of a Senior Credit Representative, and provide guidance in the process of effective collections, including training and development.
This position is hybrid, based out of Valhalla, NY.

FUJIFILM Holdings America Corporation is the holding company for North American based FUJIFILM companies operating in many states across the US, as well as in Canada, Brazil and Colombia and engaged in the research, development, manufacture, sale and service of FUJIFILM products. The company serves a broad spectrum of industries in the U.S. including medical and life sciences, electronic, chemical, graphic arts, information systems, broadcast, and photography.

External US

Responsibilities

* Review Aging reports and contact delinquent customers to obtain payments.
* Order Proof of Delivery and provide customers with information required for payment approval.
* Research and resolve disputed balances.
* Determine if pending orders can be released from credit hold according to department guidelines and company credit policies.
* Review accounts to ensure financial statements, tax certifications, bank and trade references are received for the extension of an appropriate credit line.
* Order and review reports to determine trends in sales, finance and other business areas.
* Ensure credit files are maintained with the most current information.
* Monitor sales and payment trends to justify credit limits.
* Reconcile accounts and prepare forms for adjustments, credit overrides, and refunds.
* Prepare statements and other reports as needed.

Required Skills/Education

* Bachelor's Degree in Accounting, Finance, Economics or a related field or equivalent experience.
* 5+ years of credit and collections experience in a commercial business to business credit management environment.
* 3+ years' experience in a supervisory capacity.
* Excellent credit investigative skills and ability to assess credit worthiness.
* Strong working knowledge of SAP ERP, Microsoft Outlook, Excel and Word.
* Strong communication skills both oral and written.

Desired Skills

* Mathematical aptitude and the ability to resolve complex issues.
* Analytical and thorough.
* Deadline driven.
* Customer focused.
* Ability to work independently but also teamwork orientated.
* Ability to prioritize workload and responsibilities in a proactive manner.

EEO/COVID/AGENCY NOTES

Fujifilm is an equal opportunity employer to all, regardless of age, ancestry, color, disability (mental and physical), exercising the right to family care and medical leave, gender, gender expression, gender identity, genetic information, marital status, medical condition, military or veteran status, national origin, political affiliation, race, religious creed, sex (includes pregnancy, childbirth, breastfeeding and related medical conditions), and sexual orientation, and any other status protected by federal, state, or local law.

In the event that COVID-19 vaccine mandates issued by the federal government, or by state or local government become effective and enforceable, the Company will require that the successful candidate hired for positions covered under relevant government vaccine mandate(s) be fully vaccinated against COVID-19, absent being granted an accommodation due to medical or sincerely held religious belief or other legally required exemption. For all positions, the Company encourages vaccination against COVID-19 and may require that the successful candidate hired be willing to test for the COVID-19 virus periodically and wear a face covering indoors absent being granted an accommodation due to medical or sincerely held religious belief or other legally required exemption.

To all agencies: Please, no phone calls or emails to any employee of Fujifilm about this requisition. All resumes submitted by search firms/employment agencies to any employee at Fujifilm via-email, the internet or in any form and/or method will be deemed the sole property of Fujifilm, unless such search firms/employment agencies were engaged by Fujifilm for this requisition and a valid agreement with Fujifilm is in place. In the event a candidate who was submitted outside of the Fujifilm agency engagement process is hired, no fee or payment of any kind will be paid.

The Credit Supervisor is responsible for managing all customer creation, billing, collections, credit and related reporting. This position will be accountable for the entire customer master data and credit granting process, including consistent application of a credit policy, periodic credit reviews on existing customers, and assessment of creditworthiness of potential customers . This position will help coordinate and distribute work daily to the Credit team and also be responsible for the management of major customer accounts .
The individual must exhibit the following core TireHub commitments:

· Approachable - If a company could smile, we would. Instead we rely on our people to show it. We care about each other and our customers because we know business only gets done right when people respect each other and value relationships.

· Adventurous - What TireHub is set up to do is intentionally outrageous. So, we readily embrace challenges with the courage to introduce new ideas and the ambition to build something unique.

· Relentless - We tackle our work with energy. We deliver on our commitments with enthusiasm. And we don't give up until we get to the end.

· Speedy - Speed is the currency in the tire industry. When we commit to a job, we get the job done - and we do it fast.

Role Specifics:

· This position will ensure accurate receivable records and creates reporting for status of accounts .

· This position will negotiate past due accounts, follow up inquiries, refer accounts to collection agencies.

· This position will ensure controlled and efficient methods and procedures of accounts receivable function .

· This position will provide training to new and existing staff as needed .

· This position will work collaboratively with cross-functional partners to ensure a positive customer experience .

· This position will effectively lead and develop the Accounts Receivable team.

Role Specifics:

· This position expected to work closely with the AR and Credit Manager to help effectively manage the business, which will include coordinating and leading projects and tasks, pulling reports, and analyzing performance

· This position will assist with mentoring and development of Hubbers to include monitoring individuals, managing team performance and progress, and communicate trends to supervisor

· This position will be responsible for ensuring Hubbers understand how to navigate systems and processes efficiently and effectively

· This position will ensure management of customers to include Account Structure, Customer Master Data, Terms, Total Aging, and Credit Limits with specific focus around past due accounts

· This position will directly support our Strategic Sales Team and Strategic Customers

· This position will work directly with the AR Supervisor to build to ensure collaboration between the AR and Credit teams

· This position requires analytical and problem-solving skills in order to solve Credit system and process challenges

· This position will work independently to support all regions requiring direct contact with Regional Managers, TLCs and the field

· This position will be responsible to manage Credit KPI's and Daily reports

· This position will have responsibility for the Management and accuracy of Customer Master Data

Competencies:

· Business Insight: Applying knowledge of business and the marketplace to advance the organization's goals

· Collaborates : Building partnerships and working collaboratively with others to meet shared objectives

· Instills Trust : Gaining the confidence and trust of others through honesty, integrity and authenticity

· Manages Ambiguity: Operating effectively, even when things are not certain or the way forward is not clear

· Builds Effective Teams: Building strong-identity teams that apply their diverse skills and perspectives to achieve common goals

· Financial Acumen : Interpreting and applying understanding of key financial indicators to make better business decisions

· Decision Quality: Making good and timely decisions that keep the organization moving forward

Experience:

· Minimum 2 years of experience in a Credit function

· Experience with customer negotiations and credit scoring

· Experience in an industrial and/or warehousing environment preferred

· Bachelor's Degree preferred

· Ability to exhibit composure, patience, and confidence when facing difficult situations

· Self-starter with a proven track record of multi-tasking abilities

· Excellent verbal and written communication skills

· Superior spreadsheet skills and a working knowledge of Microsoft Excel

Knowledge, Skills, and Abilities:

· Familiarity with basic accounting procedures

· Understanding of credit-related laws, company credit policies

· Understanding of best practices in credit, billing and collections

· Experience in ERP system, Epicor preferred

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)