Ingredion is hiring a Risk Analyst to handle both regular and large multi-national accounts. Perform credit due diligence and make decisions, as well as assist the Risk Manager, with the granting or recommendation of credit lines to new and existing customers within the assigned Accounts Receivable portfolio, which impacts Ingredion’s cash flow. Perform timely and effective review of customer accounts in order to meet the departmental objectives as well as minimizing potential losses due to bad debts. Communicate with AR Analysts to ensure proper collection follow up calls are initiated so customer orders on Credit Review are released in a timely manner to meet shipment date deliveries.

The Order to Cash Group

As a Risk Analyst, your responsibilities will include:

• Minimize credit risk by utilizing the SAP & credit systems to monitor customer’s credit lines, changes in payment patterns, review daily orders referred to credit for approval and take the necessary actions to improve cash flow, minimize shipping delays while ensuring that the amount of credit being extended is at level appropriate to the customer.
• Evaluate credit risk on existing and new customers utilizing internal/external resources in defining the level of credit to be granted or for recommending credit lines within the Credit Policy in order to protect the assets of the organization.
• Identify risk accounts with early warnings on deteriorating credit risks or problematic accounts in a timely manner, and inform/implement with the Risk Manager the necessary actions to minimize potential losses due to bad debt.
• Special projects as assigned by the  Risk Manager.
• Maintain up to date virtual credit files for all customers.
• Meet the approval timeline for new customer credit applications.
• Maintain good relations with the Sales personnel and customers when dealing with orders on credit review to maximize sales, minimize potential losses due to bad debt, while at the same time strengthening and retaining customer’s goodwill and business.
• Confer with representatives of Credit Associations and other businesses to exchange useful information concerning customer accounts in order to assist in making prudent and informed credit decisions.
• Keep effective communication with Risk Manager, AR Manager and AR

Qualified candidates will have:

• College Degree in Business, Accounting or Credit Designation and/or experience in credit evaluation/granting of accounts required.
• Understand accounting principles and fundamentals of credit analysis.
• Working knowledge of credit department operations, credit law, credit reports, Uniform Commercial Code, and U.S./Canada bankruptcy laws.
• Process oriented with attention to detail and follow-up.
• Strong problem-solving skills with a proven record of initiative.
• Experience establishing and maintaining effective relationships with customers, sales professionals and inside support staff.
• Proficiency with SAP and Microsoft Office Software applications (Excel, Word, etc).
• Possess excellent listening and customer service skills.
• English speaking, (French and/or Spanish an asset)

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. 

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We are an equal opportunity employer and value diversity at our company.  We do not discriminate on the basis of race, color, religion, age, national origin, gender, gender identity, gender expression, sexual orientation, marital status, veteran status, military status, or disability status.