Credit Analyst at Coface in Cockeysville, MD

*Please note:At this time, we are unable to provide visa sponsorship. Candidates must be legally authorized to work in the United States without sponsorship.

At Coface, we make trade happen everyday.

Our 5,200 experts representing 80+ nationalities in 58 countries are united by a shared purpose: helping companies navigate through uncertainty by empowering them to make the right decisions and trade smarter in a complex world.

With nearly 80 years of global experience, we offer companies a full range of solutions: Trade Credit Insurance, Business Information, Debt Collection, Single Risk insurance, Surety Bonds, Factoring — all driven by a unique data patrimony, cutting-edge technology, innovation and a deep understanding of the global economy.

Joining Coface means being part of a close-knit international organization, where your ideas matter.  We foster a culture of learning, collaboration and inclusion where you are given responsibilities and can see the impact of your actions.

Shape the future of trade with us. Join our Happeners!

THE JOB

The Credit Analyst reviews financial statements, credit reports, and Coface’s own experience in order to assess the creditworthiness of a buyer and produce a Debtor Risk Assessment (DRA). He/she liaises with Underwriters in order to maintain coherence between the DRA and the risk exposure. The Credit Analyst is responsible for the monitoring of a portfolio of companies with medium to large aggregation of credit risks. Within specified industry sectors, he/she will:

• Contact companies and speak with executives to obtain financial and business information required to assess their current situation. 
• Gather and analyze additional information (financial statements, professional articles, market data, etc.) as needed. 
• Produce Debtor Reports demonstrating that information has been analyzed, where contradictions can be evidenced, conclusions are drawn and that the recommendation to underwriters is clear and precise
• Act on and respond to DRA revision requests from risk underwriters and analysts in other regions in a timely manner ensuring Service Level Agreements (SLA’s) are respected.
• Monitor risk and update assessments upon receipt of alert from internal (claims) and external sources, and send warnings on specific events to Underwriting.
• Contribute to the accuracy and consistency of Coface’s database of companies, ensuring appropriate identifiers, links, and coherence of DRAs. 
• Pro-actively build and maintain good working relationships with underwriting and information colleagues.
• Communicate to underwriters and management any adverse information which is relevant to a review of exposure.
• Ensure compliance with regulations and procedures as laid down by Coface and external regulators
• Contribute to transversal projects according to skills and experience (vendor management, backoffice management, internal trainings etc…)

• Bachelor Degree required with a concentration in Finance or equivalent (knowledge of financial analysis including the ability to read and interpret balance sheet and income statement and make recommendations based on liquidity and indebtedness)
• A first successful experience in a credit analyst role is a strong plus
• Excellent capacity to communicate, nature ability and comfort with asking lead-in and follow up questions; awareness and appreciation of prevailing macroeconomic and industry sector drivers and trends as a backdrop against which to evaluate a business’s credit worthiness
• Excellent Computer literacy (MS Office / Excel/Internet Search)
• Ability to work collaboratively and share information
• Curiosity and capacity to challenge

All your information will be kept confidential according to EEO guidelines.