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Ryder System Sr. Credit Analyst in ALPHARETTA, Georgia

Position Description

The Sr. Credit Analyst will perform a variety of functions required to provide financial worthiness and mitigate risk to Ryder’s portfolio of customers.


  • Bachelor's degree in business, finance, accounting and three (3) years of related work experience, or seven (7) years of equivalent business work experience


  • Advanced skills in Microsoft Office products (Excel, Word, PowerPoint, and Access)

  • Strong analytical skills with the ability to complete spreads, analyze trends and assess credit risk

  • Ability to manage multiple tasks priorities

  • Experience with credit software, including credit scoring systems such as Cortera or DNBRam, is a plus


Duties associated with this job position will include:

  • Work with sales group on outstanding deals for adds, replacements and extension in the lease and DTS products lines. The analysts review credit reports, Ryder and company history, and does a deep dive financial analysis, reviewing year to year trends as well as possible interim financial statement review. They also use industry financial benchmark statistics in order to approve or decline the request from the field for the investment and revenue of the deal, as well as customer exposure. Analysts have $200K credit approval authority for accounts receivable exposure and make recommendations to sr management for credit line over $200K.

  • Submit executive reviews to senior management and recommend appropriate structure to mitigate risk on high dollar or high risk customers

  • Do annual review of customers' financial statements to determine any deterioration in their financial condition and re-evaluate the desired exposure, determining the proper credit line, as well as an action plan to reduce our exposure, if needed.

  • Communicate to stop loss, collections, sales and operations on problem or high risk accounts by email communication or conference calls, in order to advise of potential loss

  • Identify industry risk by critiquing our write-offs by SIC code and payment trends of our customers. Evaluate our customer portfolio mix by reviewing customer credit score and stratification to possibly re-assess our credit scorecards. Review Ryder's customers' financial condition, in order to properly set credit lines for receivable exposure, reducing or recommending an increase in services, as needed. Also, assist Treasury and Finance on reviewing certain industries/customers, such as in automotive or supplier reviews.

  • Work on continual improvement processes with our Cortera systems

  • Train other Junior Analysts on financial analysis or other credit processes

  • Prepare documents and participate in Credit Committee calls on business decisions with Sr. Credit Manager, CFO, and Sales Management.

  • Assist with ad hoc tasks required within the department

Ryder is proud to be an Equal Opportunity Employer and Drug Free workplace. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, sexual orientation, gender identity, age, status as a protected veteran, among other things, or status as a qualified individual with disability.

Requisition ID 2019-74671

Category Accounting/Finance

Employment Type Regular - Full Time (4)

Travel Requirements 0-10%

Position Code 8671