Credit and Syndications Analyst

Preferred Location: Redwood Shores, CA

Oracle Financing provides payment solutions to help customers acquire Oracle products and services. Within Oracle Financing, the Risk Management group analyzes the financial strength and credit quality of prospective Oracle business entity customers for the purpose of making credit approval decisions concerning extended payment terms. Transaction sizes range from $100 thousand on the low end to more than $50 million on the high end.

The Risk Management Analyst's primary responsibilities are to review, evaluate, and provide written analysis of the financial strength of end-user businesses to arrive at accurate credit risk ratings, provide approvals within delegated credit authority, and provide transaction structuring. Analysis will include reviewing customer financial statements, calculating financial ratios, reading financial audit footnotes, analyzing financial/industry trends, etc. The Analyst will be proficient in conducting credit due diligence calls with the CFOs of privately held companies to discuss prospective customer financial statements and obtain all required information. The Analyst will utilize leading credit analysis tools to ensure decisions are accurate.

Qualified candidates will have extensive credit underwriting and credit decision making experience, with the credit decisions concerning enterprise business entities. Candidates should have experience with a bank or financing/leasing company with strong financial underwriting and credit decision making abilities, with direct credit authority. The position will require analyzing corporate credits ranging from start-up companies to large corporations. The analysis will include spreading financial reports, calculating financial ratios, reading audit footnotes, and analyzing income statements, balance sheets, and cash flow statements. The Analyst should have the ability to handle multiple tasks, make decisions under pressure, work independently, and provide responsive support to the sales organization.

Only Oracle brings together the data, infrastructure, applications, and expertise to power everything from industry innovations to life-saving care. And with AI embedded across our products and services, we help customers turn that promise into a better future for all. Discover your potential at a company leading the way in AI and cloud solutions that impact billions of lives.

True innovation starts when everyone is empowered to contribute. That's why we're committed to growing a workforce that promotes opportunities for all with competitive benefits that support our people with flexible medical, life insurance, and retirement options. We also encourage employees to give back to their communities through our volunteer programs.

We're committed to including people with disabilities at all stages of the employment process. If you require accessibility assistance or accommodation for a disability at any point, let us know by emailing accommodation-request_mb@oracle.com or by calling 1-888-404-2494 in the United States.

Oracle is an Equal Employment Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability and protected veterans' status, or any other characteristic protected by law. Oracle will consider for employment qualified applicants with arrest and conviction records pursuant to applicable law.

Disclaimer:

Certain U.S. based or U.S. customer or client-facing roles may be required to comply with applicable requirements, such as immunization/occupational health mandates, and/or drug testing requirements.

Range and benefit information provided in this posting are specific to the stated locations only

US: Hiring Range in USD from: $83,000 to $166,100 per annum. May be eligible for bonus and equity.

Oracle maintains broad salary ranges for its roles in order to account for variations in knowledge, skills, experience, market conditions and locations, as well as reflect Oracle''s differing products, industries and lines of business.

Candidates are typically placed into the range based on the preceding factors as well as internal peer equity.

Oracle US offers a comprehensive benefits package which includes the following:

1. Medical, dental, and vision insurance, including expert medical opinion

2. Short term disability and long term disability

3. Life insurance and AD&D

4. Supplemental life insurance (Employee/Spouse/Child)

5. Health care and dependent care Flexible Spending Accounts

6. Pre-tax commuter and parking benefits

7. 401(k) Savings and Investment Plan with company match

8. Paid time off: Flexible Vacation is provided to all eligible employees assigned to a salaried (non-overtime eligible) position. Accrued Vacation is provided to all other employees eligible for vacation benefits. For employees working at least 35 hours per week, the vacation accrual rate is 13 days annually for the first three years of employment and 18 days annually for subsequent years of employment. Vacation accrual is prorated for employees working between 20 and 34 hours per week. Employees working fewer than 20 hours per week are not eligible for vacation.

9. 11 paid holidays

10. Paid sick leave: 72 hours of paid sick leave upon date of hire. Refreshes each calendar year. Unused balance will carry over each year up to a maximum cap of 112 hours.

11. Paid parental leave

12. Adoption assistance

13. Employee Stock Purchase Plan

14. Financial planning and group legal

15. Voluntary benefits including auto, homeowner and pet insurance

The role will generally accept applications for at least three calendar days from the posting date or as long as the job remains posted.

Career Level - IC4

Responsibilities:

• Conduct credit due diligence and credit decision making in a professional, thorough, and timely manner.
• Prepare written credit risk analysis in accordance with OFD Credit Policies and SOX requirements.
• Identify strengths, risks, and mitigants and assign accurate risk ratings to customer business entities.
• Perform in a responsive manner while controlling risks.
• Obtain information related to financial condition and performance, operations, management, competition, and

industry economics.

• Analyze corporate credits, state and local government (municipal) credits, and hospital credits.
• Work with funding sources to ensure funding liquidity of closed Oracle Financing transactions.
• Create and maintain orderly credit files, including credit review write-ups.

Requirements:

• Excellent quantitative and analytical skills.
• Ability to prioritize conflicting deadlines for deliverables and customer issues.
• Ability to make independent credit decisions under pressure and in a timely manner.
• Experience underwriting state and local government (municipal) entities and hospitals a plus.
• Intermediate level of software (Excel and Word).
• Ability to perform advanced financial and ratio analysis.
• Ability to think analytically and problem solve.
• Ability to provide appropriate structures and negotiate terms.
• Strong written and oral communication skills.

Qualifications:

• 5-10+ years of work experience in credit underwriting and credit decision making with a bank, leasing company,

and/or captive finance company.

• Bachelor''s Degree in Finance, Economics, or Accounting. MBA preferred. Strong academic performer a plus.

Work Shift: Full time (9am-6pm). Longer hours may be required at quarter-end.

Responsibilities:

• Conduct credit due diligence and credit decision making in a professional, thorough, and timely manner.
• Prepare written credit risk analysis in accordance with OFD Credit Policies and SOX requirements.
• Identify strengths, risks, and mitigants and assign accurate risk ratings to customer business entities.
• Perform in a responsive manner while controlling risks.
• Obtain information related to financial condition and performance, operations, management, competition, and

industry economics.

• Analyze corporate credits, state and local government (municipal) credits, and hospital credits.
• Work with funding sources to ensure funding liquidity of closed Oracle Financing transactions.
• Create and maintain orderly credit files, including credit review write-ups.

Requirements:

• Excellent quantitative and analytical skills.
• Ability to prioritize conflicting deadlines for deliverables and customer issues.
• Ability to make independent credit decisions under pressure and in a timely manner.
• Experience underwriting state and local government (municipal) entities and hospitals a plus.
• Intermediate level of software (Excel and Word).
• Ability to perform advanced financial and ratio analysis.
• Ability to think analytically and problem solve.
• Ability to provide appropriate structures and negotiate terms.
• Strong written and oral communication skills.

Qualifications:

• 5-10+ years of work experience in credit underwriting and credit decision making with a bank, leasing company,

and/or captive finance company.

• Bachelor''s Degree in Finance, Economics, or Accounting. MBA preferred. Strong academic performer a plus.

Work Shift: Full time (9am-6pm). Longer hours may be required at quarter-end.