Senior Credit Analyst in City of Westminster

This organization is broken down further into distinct towers with emphasis in Customer Master Data Management, Credit, Billing, Cash Application and Collections. It is the purpose of the Credit to Cash organization to maximize profitable sales, optimize cash flow, and minimize bad debt loss. The Credit Tower in particular has the role of reviewing a counterparty's level of risk, often through the analysis of financial statements, with the ultimate goal of mitigating risk when and where possible.

The Senior Credit Analyst exhibits professional excellence by building customer & cross-department relationships and communicating clearly and responsibly. They comply with Corporate Policy and Procedures through the completion of complex credit reviews and collaborate with internal and external stakeholders to ensure that sales and purchases are credit assessed, and evaluations are published in a timely manner. Furthermore, they ensure that systems containing credit risk information are updated to support accounts receivable reporting, portfolio analysis, bad debt reserves recommendations, and collaboration across the enterprise. They may also assist or negotiate with managing security instruments such as standby letters of credit. In addition, responsibilities include mentoring, training, and overseeing the quality of the Credit Analysts' work.

What You Will Do

• Conduct due diligence of companies for new credit requests, sales orders, and company policy-mandated reviews
• Analyze credit worthiness of current and potential customers and grant credit within approval authority as necessary
• Conduct thorough financial statement analysis and assessment of credit requests and present findings to leaders and stakeholders
• Monitor risky customers on a regular cadence and update recommendations as appropriate
• Take responsibility of specific portfolios and become a subject matter expert in those businesses or industries
• As needed, meet and discuss with customers and business leaders, as well as recommend risk mitigation, which could include Letters of Credit, guarantees, securitization, and/or deal and payment structure
• Prepare and communicate credit recommendations and pull reports from service providers
• Participate in the development and implementation of new technologies to improve efficiency and effectiveness
• When applicable, update Disney order approval systems as well as internal departmental systems
• Contribute to the completion of monthly and quarterly reports, reserve recommendations, Treasury Rep letter, Global Exposure report, as well as the preparation of credit portfolio reports
• Manage expectations and maintain clear communication with internal and external stakeholders in a high volume environment
• Provide input in process changes
• Represent the Credit Team in meetings as needed
• May lead certain project initiatives
• Review and approve credit reviews of the Credit Analysts to ensure that credit reviews are accurate and well written
• Mentor Credit Analysts and provide guidance on business processes, observations, and risk conclusions to develop the credit analysts' skills
• Coordinate tasks with the Credit Team to support systems changes or projects

Qualifications

• 3 years of credit experience or in a related field
• Detail oriented
• Excellent written and oral communication skills
• Ability to prioritize and manage multiple tasks under tight deadlines
• Computer proficiency with Microsoft Office Suite (e.g., Word, Excel, PowerPoint, Outlook, Teams)

Preferred Qualifications

• Credit analysis training or experience from lending or rating institutions
• Understanding of bankruptcy law
• Knowledge of Letters of Credit and other security instruments
• 1-2 years of mentoring junior team members

Education

• Bachelor's degree in finance, accounting, economic, business and/or equivalent work experience

Benefits

• 25 days annual leave
• Private medical insurance & dental care
• Free Park Entry: You will have the opportunity to enter any of our parks with your family and friends for free
• Disney Discounts: you are entitled to discounts on designated Disney products, resort F&B and ticketing
• Excellent parental and guardian leave
• Employee Resource Groups - WOMEN @ Disney, Disney DIVERSITY, Disney PRIDE, ENABLED, and our Mental Health & Wellbeing Group, TRUST.

The Walt Disney Company is an Equal Opportunity Employer. We strive to be a diverse workforce that is representative of our audiences, and where all can thrive and belong. Disney is committed to forming a team that includes and respects a variety of voices, identities, backgrounds, experiences and perspectives.