Want to build a stronger, more sustainable future and cultivate your career? Join Cargill's global team of 155,000 employees who use new technologies, dynamic insights and over 154 years of experience to connect farmers with markets, customers with ingredients, and people and animals with the food they need to thrive.

Job Purpose and Impact

The Senior Credit Risk Analyst handles our largest and most complex accounts in North America and is charged with maximizing opportunity while controlling risk using experience and risk adjusted return calculations. The Senior Credit Risk Analyst for Animal Nutrition & Health (ANH) will join the global Risk Management Group (RMG), whose mandate is to manage credit risk while partnering with business stakeholders on maximizing risk-adjusted returns. In this role you will look for solutions, establish relationships to be able to guide decisions within the company values and expectations and be able to mitigate risks while at the same time embrace opportunity. Lastly, you will also support the Enterprise Credit Lead in making continuous progress on the RMG strategic credit priorities.

Key Accountabilities

• Performs the most complex credit risk work activities, independently managing customer portfolios with the highest customer risk by using advance knowledge, approving limits of the highest relative value and identifies issues and assists with investigations of credit exposures, accounts receivable.
• Identifies and analyzes potential sources of loss to minimize risk and estimate the potential financial consequences of a loss.
• Prepare and support other analysts in the preparation and distribution of defined reports showing account performance.
• Connects all business stakeholders in order to present a company voice to the client and drives the business approach to managing client risk.
• Communicates issues in an independent and timely manner with appropriate internal and external partners and is the key point of contact for the business.
• Independently conducts credit related analysis and interpretation requiring a deep understanding of Credit and Accounts Receivable practices and procedures. Also performs industry analysis and analyzes the impact on the portfolio.
• Independently handle complex issues with minimal supervision, while escalating only the most complex issues to appropriate staff.
• Other duties as assigned

Qualifications

MINIMUM QUALIFICATIONS
• Bachelor’s degree in a related field or equivalent experience
• Ability to work in a global, matrixed company.
• Experience managing a customer portfolio with a high-risk tolerance.
• Minimum of four years of related work experience

PREFERRED QUALIFICATIONS
• Master's degree or other post-secondary degree
• Associate in Risk Management (ARM)
• Experience working with credit profiles in a similar industry
• Experience successfully evaluating customer profiles and effectively applying risk adjusted return ratios

Cargill highly encourages vaccinations but does not mandate at this time. Upon hire, you will be asked to provide your vaccination status, and if unvaccinated or if you choose not to disclose, you would be expected to follow Cargill’s safety protocols for unvaccinated employees (i.e., mask mandates, and social distancing).

Equal Opportunity Employer, including Disability/Vet.