Sr. Credit Representative

Sr.

Credit Representative

We are seeking a highly skilled Senior Credit Representative to join our Ag Customer Financial Services team.

The candidate will manage financial risk and ensure the financial stability and growth of agricultural customers.

This position requires understanding of credit analysis, and risk assessment of new and existing customers in the Feed and Ag industry.

Location:Arden Hills, MN Corporate headquarters (hybrid work arrangement each week) or a virtual location will be considered for a highly qualified individual.

Hiring Range: In most cases, candidates offered employment can expect to be hired at a pay rate near the middle of our salary ranges, $43,680 - $75,360.

Key Responsibilities:


* Conduct thorough credit analysis and risk assessments for new and existing customers in the assigned territory.

Ensure compliance with credit authority, company policy, and industry regulations.


* Ensure compliance with established Accounts Receivable terms and limits by reviewing credit applications and references, analyzing customer financial statements, and utilizing credit reports and other industry credit information.


* Manage credit and collection risk for an assigned portfolio within company policy and authority.


* Build and maintain strong relationships with customers and internal staff, providing exception customer service and support.


* Address customer inquiries, reconcile accounts, and resolve credit-related issues promptly.


* Collaborate closely with sales, customer service, and operations teams to align credit strategies with business objectives, invoice management process, and remittance process.


* Stay informed about industry trends, market conditions, and economic factors affecting the agricultural sector.


* Perform additional related duties and projects as assigned.

Required Education and Experience:


* High school diploma or GED required along with a minimum of 2-4 years' related work experience in credit, banking, financial services, accounts receivable, or related fields.

Preferred Education and Experience:


* Bachelor's degree in finance, accounting, business administration or related field (or pursuit of degree) is strongly desired.


* Professional certification (e.g., CBF, CBA) is a plus.


* Proficiency with Microsoft Office Products (Email, Word, and Excel) required.


* Experience with JD Edwards, High Radius, SAP, or similar ERP systems is desirable.

Competencies and other skills:


* Strong analytical and negotiating skills, attention to detail, and proficiency in basic accounting knowledge and financial analysis.


* Effective interpersonal communication skills (verbal and written) to work with internal and external customers.


* Ability to work independently and as part of a team.

Strong problem-solving and critical thinking skills and the ability to make sound decisions under pressure.


* Strong organizational and prioritizat...