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Senior Credit Analyst

5301 Maryland Way, Brentwood, TN 37027, USA Req #2592
Wednesday, July 21, 2021

Summary:

This position is responsible for the approval or decline, and review of all new account applications with Fleetcor.  This position also researches, verifies, and analyzes new account applications for the purpose of establishing credit lines. 


Essential Duties and Responsibilities:

  • Responsible for the approval of new commercial credit limits
  • Makes credit recommendations on all other credit extensions to senior management. 
  • Analyzes applicant financial status and credit to determine feasibility of granting commercial credit.
  • Verifies agreements are complete and accurate according to policy. 
  • Responsible for communication with the applicant’s management team with respect to the company’s financial performance.
  • Works closely with sales and potentially the applicant to determine alternatives to the credit limit requested in order to gain the applicant’s business while at the same time mitigating credit risk to the company.
  • Review existing accounts and their credit standing for the extension of additional credit for new product sales including, but not limited to identifying high-risk accounts and presenting to senior management strategies to reduce exposure
  • Interview CEO’s, CFO’s, and Controllers to solicit current financial information, as well as to discuss the customer’s financial condition if necessary.
  • Perform timely reviews and analysis of financials of a designated portfolio of unsecured accounts on an annual, semi-annual or quarterly basis. 
  • Maintain an accurate perspective of each account within the unsecured portfolio, and report on such to the Director and Vice President of Credit.
  • Assist Managers and Supervisors in Credit and Collections in determining appropriate courses of action in dealing with delinquent or problem accounts.
  • Make recommendations to senior and top management appropriate courses of action for high-risk accounts.

 

Qualifications

  • Bachelor’s Degree in Finance or related field such as accounting or business is required
  • Knowledge of commercial credit principles and financial statement analysis is required
  • 1-2 years of credit analyst experience in a B2B sales environment is required
  • Must be able to project trends for the applicant based on knowledge of the customer, historical financial statements, as well as outlook for the industry.
  • Strong level of personal organization with excellent oral/written communication and negotiating skills.
  • Candidate must be detail oriented, with the ability to handle multiple assignments promptly and effectively.
  • Demonstrated ability to work calmly in a fast-paced team environment.
  • Excellent telephone etiquette and customer service skills are required, with the ability to react quickly and decisively to resolve customer issues.
  • Advanced Microsoft Word, Excel and Powerpoint skills required
  • Experience with customer negotiations and creation of payment plans

 

About the Company:

FLEETCOR Technologies, Inc. (“FLEETCOR”) is a leading global provider of business payment solutions. We help companies of all sizes control, simplify and secure payment of various domestic and cross-border payables using specialized payment products. We serve businesses, partners, merchants, consumers and payment networks in North America, Latin America, Europe, and Asia Pacific.
 


Our payment solutions provide our customers with a payment method designed to be superior to and more robust and effective than what they use currently, whether they use a competitor’s product or another alternative method such as cash or check. We group our payment solutions into five primary categories: Fuel, Lodging, Tolls, Corporate Payments and Gift. Each category is unique in its focus, customer base and target markets, but they also share a number of characteristics:  customers are primarily businesses, have recurring revenue models, have specialized networks which create barriers to entry, have high margins, and have similar selling systems.



FLEETCOR enjoys global recognition including:

  • Forbes Global Growth Champion – FLEETCOR is one of the 250 fastest growing companies in the world as determined by Forbes and Statista 
  • Forbes World’s Most Innovative Companies – FLEETCOR has made this prestigious list of leading innovative companies 4 years in a row!
  • Fortune 1000 Company – FLEETCOR was one of the largest movers in the new rankings of the largest companies in America, ranking  #872
  • S&P 500 – In 2018, FLEETCOR joined the S&P stock index comprised of the 500 leading US stocks based on market cap (company value)


Our Vision

Despite many advances in our industry, the majority of business payments are still made with outdated and inferior payment methods, such as checks and cash. We envision a business world where every purchase is controlled, every payment is digital, and every payment-related decision is well-informed. In this future paperless state, payments will require little to no time to manage, leaving companies with more time for what matters most: activities that grow their businesses.


Our Mission

FLEETCOR’s mission is to provide businesses with a better way to pay, by replacing outdated payment methods such as checks and cash, and displacing the incumbent providers of those methods. Through the digitalization of payments, we create and support robust ecosystems which benefit all participating constituents: payment-making customers, payment-accepting merchants, tax-collecting governments, and FLEETCOR.



Our Strategy

FLEETCOR is a growth company, and we employ a simple three-prong strategy for growing our business:

  • More Customers. We invest more than $200 million per year in sales and marketing, predominately focused on new customer acquisition. We continue to scale existing sales channels and headcount, enable our sales people with demand generation and other tools, and launch new distribution channels both internally and through partners such as ERP software providers, telematics companies, and banks. We will also grow our customer base inorganically through acquisitions.
  • More Spend. We seek to leverage our existing customer relationships and capture greater share of their business payment expenditures. As such, we have developed various “beyond” initiatives, where we extend the utility of an existing payment product without degrading the core value proposition of the original product. As such, a customer can “buy more stuff” without sacrificing the controls and reporting which attracted the customer to our product to begin with. For example:
    • Our Fuel card customers can enable their cards to allow non-fuel purchases relevant to their business, like allowing a painting crew to buy supplies at a home improvement store, so they can finish the paint job.
    • Our Toll tag customers can use their in-vehicle RFID tags to make other “on the go” purchases like parking, fuel and fast-food.
For our customers, these product extensions reduce payment friction, saving them time and operational headaches. For FLEETCOR, these product extensions can increase our share of wallet with existing customers and can increase our products’ appeal and applicability to previously-unserved customer segments (e.g., non-toll urban dwellers). We also create new product offerings, developed internally or in conjunction with partners, to cross-sell to our existing customer base.
  • More Geographies. We continue to seek attractive entry opportunities in major international markets, which we intend to pursue through acquisitions and partnerships.


Our Commitment to Diversity, Equality, Inclusion, Belonging


Together we can foster true belonging. We know different ideas, perspectives and backgrounds lead to better innovation and results. We are therefore committed to building and nurturing a culture of diversity, inclusion, and belonging by:

  • Welcoming people of different backgrounds, cultures, ethnicities, genders, and sexual orientations;
  • Empowering our people to share their experiences and ideas through open forums and individual conversations; and
  • Valuing each person’s unique perspectives and individual contributions.

Embracing diversity enables our people to “make the difference” at FLEETCOR.
 


Our Values

FLEETCOR’s culture reflects our history of fast growth and our continued drive for results. Our entrepreneurial spirit remains strong across our global workforce, and we reinforce these principles in our five core values:

  • Innovation: Figure out a better way
  • Execution: Get it done quickly
  • Integrity: Do the right thing
  • People: We make the difference
  • Collaboration: Accomplish more together


These values guide all of our employees and are infused in all aspects of our Company.  We are, as a team, united through these shared values and our mission to provide “a better way to pay.”


Our values foster an inclusive culture through the expectation that all employees will treat each other with respect and appreciate the diversity of identities, thoughts, backgrounds and styles. Our commitment to fostering an inclusive culture has never been more essential than in this moment of national reflection. We must always celebrate the diversity of our company and our communities.

We strongly believe that the quality and diversity of our workforce provide FLEETCOR with a competitive advantage, and that our problem-solving and solution-building efforts are greatly enhanced when we harness the collective thinking of a diverse group of people with unique experiences and perspectives.


FLEETCOR’s COVID-19 Hiring Guidelines:

Due to COVID-19, most of our employees are temporarily working from home. In addition, FLEETCOR implemented a virtual interviewing and hiring process, engaging with talent by phone or video and onboarding new employees remotely. We value the safety of each member of our community because we know we’re all in this together.


Equal Opportunity/Affirmative Action Employer:

FLEETCOR is an Equal Opportunity Employer. FLEETCOR provides equal employment opportunities to all employees and applicants without regard to race, color, gender (including pregnancy), religion, national origin, ancestry, disability, age, sexual orientation, gender identity or expression, marital status, language, ancestry, genetic information, veteran and/or military status or any other group status protected by federal or local law. If you require reasonable accommodation for the application and/or interview process, please notify a representative of the Human Resources Department.


For more information about our commitment to equal employment opportunity and pay transparency, please click the following links: EEO and Pay Transparency.
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Other details

  • Pay Type Salary
  • 5301 Maryland Way, Brentwood, TN 37027, USA