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3b7cb5f8e38a28b9c73b55137940a4a6

Credit Advisor

Cardinal Health Dublin, OH Full-Time
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What Credit contributes to Cardinal Health

Credit is responsible for managing Cardinal Health's trade and note receivables including performing credit underwriting, establishing bad debt reserves, managing customer relationships, collaborating with the sales and collections teams, managing credit risk for the company, and administering credit policies and standards.

  • Possesses and exhibits strong business acumen of credit underwriting.
  • Demonstrates strong interpersonal skills, able to diplomatically resolve conflict, and maintain positive customer relationships.
  • Demonstrates knowledge of credit and/or collection practices which can include debt repayment, dispute resolution, risk mitigation, etc.
  • Demonstrates ability to learn and effectively navigate a variety of financial systems.
  • Demonstrates knowledge and understanding of financial concepts which includes establishing appropriate bad debt reserves.
  • Gathers and synthesizes information from a variety of sources (i.e. financial statements, reports), makes effective credit decisions, and documents decisions appropriately.
  • Organizes workload effectively, proactively works with customers to ensure commitments are met, and raises issues and recommendations to management.

Accountabilities

  • Provide Credit risk analysis review and executive summary of new and existing customers, emphasis on understanding entity structure and ownership, financial statement analysis and risk identification, mitigate customer risk.  Analysis will encapsulate all aggregate business exposure within Cardinal.
  • Credit risk analysis and portfolio monitoring within wide range of customer class of trade and industry.  Customers include but not limited to retail pharmacies, retail chain, mail order, managed care, hospitals, specialty pharma, and medical distributors.
  • Make trade credit decisions for new and existing customers, both secured and unsecured.
  • Collaborate with Collection teams regarding risk mitigation, support around AP and finance contacts, and monitoring of aggregate trade exposure levels versus approvals.   
  • Communications and collaboration with sales organization to support new and existing customer base.  Relationship building with external customer-finance contacts.
  • Review of vendor agreements, particularly language associated with credit and customer legal entity documentation.
  • Communicates directly with internal and external counsel, customers and third-party entities to appropriately understand and structure contracts to mitigate credit risk.
  • Represent credit department as a subject matter expert in acquisitions/new business on credit policies and processes.

Qualifications

  • Bachelors degree in business related field, or equivalent work experience
  • 4+ years’ experience in credit related field preferred
  • Strong interpersonal, verbal and written communication skills. Able to communicate effectively and interact with personnel at all levels of technical ability and expertise.
  • Commercial credit underwriting experience preferred
  • Experience providing credit risk analysis and financial statement analysis preferred
  • Ability to communicate directly with internal and external counsel, customers and third-party entities preferred

What is expected of you and others at this level

  • Applies comprehensive knowledge and a thorough understanding of concepts, principles, and technical capabilities to perform varied tasks and projects
  • May contribute to the development of policies and procedures
  • Works on complex projects of large scope
  • Develops technical solutions to a wide range of difficult problems. Solutions are innovative and consistent with organization objectives
  • Completes work independently receives general guidance on new projects
  • Work reviewed for purpose of meeting objectives

Cardinal Health is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or protected veteran status.

 

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Job ID: 20065169

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