Sr. Credit Analyst

Join to apply for the Sr. Credit Analyst role at Ace Hardware Corporation
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The Senior Credit Analyst functions include Advanced Financial Statement Analysis for the preparation of Member Applications, to facilitate Order Release, Underwrite Retailer Loans, and to manage the Collection effort for a multi‑million‑dollar portfolio of retail store accounts. This critical Finance role is responsible for identifying and mitigating risk for their portfolio and to protect the Cooperative from financial losses. You will receive the support and collaboration of an extensive team of Credit and Operations professionals to help you achieve your goals.

• Analyze and decide on new Member Applications within designated authority and territory
• Underwrite Loan Applications within designated territory
• Determine appropriate credit limits within designated authority and territory
• Disposition blocked retailer orders timely and in line with the retailer's risk profile
• Establish payment plans to resolve retailer past‑due balances

You are a Finance or Accounting professional with exceptional attention to detail that excels in financial statement analysis and risk assessment. You have a strong work ethic with excellent communication skills and enjoy working cross‑functionally with colleagues and business owners across the country.

• Minimum of 4 years of experience.
• Ability to quickly read, interpret and analyze financial statements including balance sheets, income and cash flow statements, and pro forma data to produce a professional written analysis.
• Manage a portfolio of accounts including setting credit limits, order release, and working with past‑due retailers to develop solutions and payment plans as needed.
• Self‑motivated, well organized and able to perform with limited supervision in order to work effectively within various deadlines and time constraints.
• Excellent verbal and non‑verbal communication and negotiation skills.
• Proficient with SAP or equivalent ERP system, MS Office Suite, database queries and reporting.

• A four‑year business degree (preferably in Finance, Economics or Accounting)
• Familiarity with business and credit laws and prior experience working with legal contracts.

​$74,700 – $93,550 per year.

We live our values - W.E.L.I.G.H.T (Winning, Excellence, Love, Integrity, Gratitude, Humility, and Teamwork). Gratitude. Humility. Love. You don’t often see values like these in most corporate statements, but Ace is different. These things are important to us. They represent our commitment to the company, our employees, to Ace retailers and to the Ace brand.

• Incentive opportunities, based on role/grade level (rapid company growth over the past 5 years resulted in incentives being paid out at an average of 122% of your target opportunity!)
• Generous 401(k) retirement savings plan with a fully vested matching contribution the first year in addition to quarterly contributions and annual discretionary contribution (once eligibility requirements have been met). Over the past 5 years, company contributions (matching, quarterly & discretionary) for fully eligible employees have averaged 10.4% of total eligible compensation.
• Comprehensive health coverage (medical, dental, vision and disability – up to 26 weeks short‑term disability and long‑term disability) & life insurance benefits for you and your dependents.
• 21 days of vacation immediately available (prorated in the first year) and up to 6 paid holidays depending on the month of hire.
• Annual Ace Cares Week, 20 hours off work per year to volunteer at an organization of your choice, opportunities to help Children’s Miracle Network Hospitals and the Ace Helpful Fund through the Ace Foundation.
• Ace invests in every employee we hire, with a key focus on development and coaching. We offer on‑site classes, facilitator‑led courses, and a generous tuition assistance program, plus a performance management approach that goes beyond the typical annual review.
• We hold frequent campus events like Employee Appreciation Week, vendor demos, cookouts, and merchandise sales.
• S…