Senior Credit Analyst

Description

Job Summary: The Senior Credit Analyst will assess and manage credit risk across the dealer network, combining financial solutions with risk control and regulatory compliance. Key Highlights: 1. Key role in credit risk assessment and management 2. Opportunity to structure innovative financial solutions 3. Direct impact on process optimization and digital transformation **Requisition ID:** 5149 **Job Location:** Buenos Aires \- Argentina **Category:** Financial Services **Job Type:** Full Time **Working Mode:** Hybrid **\#body.unify div.unify\-button\-container .unify\-apply\-now:** focus, \#body.unify div.unify\-button\-container .unify\-apply\-\#body.unify div.unify\-button\-container .unify\-apply\-now: focus, \#body.unify div.unify\-button\-container .unify\-apply\-applying with LinkedIn About Us Innovation. Sustainability. Productivity. This is how we are breaking new ground in our mission to sustainably advance the noble work of farmers and construction professionals worldwide. With a growing global population and increasing demand for resources, our products are essential to feeding and sheltering the world. From developing products powered by alternative energy to precision technologies that enhance productivity, we deliver solutions that benefit people — and all of this is possible thanks to people like you. If you're excited about developing your skills as part of a global, collaborative team, you're in the right place. Develop Your Career. Build Your Future! Join this industry-leading company in agriculture and construction, passionately innovating to drive efficiency and success for our customers. And we know innovation doesn’t happen without collaboration. That’s why everything we do at CNH Industrial aims to achieve new goals as one unified team, always delivering our best for our customers. Job Purpose The Senior Credit Analyst will be responsible for assessing, mitigating, and managing credit risk associated with the dealer network. This role requires advanced expertise in comprehensive financial analysis for credit limit assignment and review, as well as evaluating the commercial viability of dealer operations. The position combines structuring financial solutions that drive wholesale sales with strict risk control and regulatory compliance. Key Responsibilities **Financial and Sector Analysis:** Conduct rigorous financial analyses, including cash flow projections, debt servicing capacity, and balance sheet assessments. Monitor macroeconomic variables, agricultural policies, and climate-related impacts. **Risk Mitigation and Decision-Making:** Identify, quantify, and mitigate credit risks by recommending appropriate security structures (e.g., pledges over grain/machinery, warrants, SGRs, mortgages). Prepare and present detailed reports to the Credit Committee with clear, data-driven recommendations. **Credit Limit Monitoring:** Conduct periodic reviews of active credit lines and monitor dealers’ financial health. Manage early-warning indicators to detect signs of deterioration. **Dealer Network Relationship Management:** Collaborate closely with the commercial team and distribution network to streamline the credit process without compromising risk policies. Serve as the technical point of contact for inquiries regarding wholesale products. **Process Optimization and Digital Transformation:** Participate in or lead initiatives aimed at automating credit workflows and optimizing financial analysis tools. Prepare periodic reports for risk tracking and monitoring. Experience Required **Experience Required:** **Professional Experience:** Minimum of 5 years of experience in credit risk analysis, corporate banking, or structured finance. **Financial Competency:** Advanced proficiency in interpreting financial statements, corporate finance, cash flow modeling, and credit risk assessment methodologies. **Tools and Systems:** Proven experience using robust management systems (ERP/Core Banking such as SAP, IBM platforms, or dealer network management systems) and advanced Excel skills for financial modeling. Power BI. Preferred Qualifications **Education:** University degree in Business Administration, Finance, Economics, Agricultural Engineering, Agricultural Economics, or related fields. **Languages:** Advanced English (spoken and written) is an absolute requirement. Full fluency is required to draft risk reports, negotiate, and present complex cases to regional executives or global committees. **Analytical and Soft Skills:** Strong analytical ability, attention to detail, and strategic vision. Excellent communication and negotiation skills to balance commercial needs with the company’s risk limits. **Leadership and Teamwork:** Demonstrated ability to mentor other analysts, manage high-pressure situations (e.g., system operational contingencies or demand spikes), and champion digital transformation initiatives within the credit department. Pay Transparency The annual salary for this role is ARS $50\.09 \- $58\.93 plus any applicable bonus (Actual salaries will vary and will be based on various factors, such as skill, experience and qualification for the role.) For roles open across multiple locations, the salary range indicated refers to the primary location. If a different location is considered, the applicable salary range will be communicated to candidates prior to the first interview. What We Offer We offer dynamic career opportunities in an international environment. As an equal opportunity employer, we are committed to creating value for all our employees and fostering a culture of respect. At CNH, we understand that the best solutions emerge from the diverse experiences and skills of our people. Here, you’ll have the power to develop your career, pursue your passion, and help build a better future. To support our employees, we offer comprehensive regional benefits, including: Flexible work arrangements Savings and retirement benefits Educational tuition reimbursement Parental leave Adoption assistance Fertility and family planning support Employee assistance programs Matching charitable contributions and volunteer time-off **\#body.unify div.unify\-button\-container .unify\-apply\-now:** focus, \#body.unify div.unify\-button\-container .unify\-apply\-\#body.unify div.unify\-button\-container .unify\-apply\-now: focus, \#body.unify div.unify\-button\-container .unify\-apply\-applying with LinkedIn