Apply on Employer Site

Oracle · 3 days ago

Risk Management Senior Credit Analyst

Redwood City, CA, United States

Full-time

Onsite

Senior Level, Lead/Staff

$79K/yr - $158K/yr

10+ years exp

Oracle is a world leader in cloud solutions, providing innovative technologies to tackle today's challenges. The Risk Management Senior Credit Analyst will analyze the financial strength and credit quality of prospective Oracle business customers to make informed credit approval decisions, while managing credit risk effectively.

Data GovernanceData ManagementEnterprise SoftwareInformation TechnologySaaSSoftware

No H1B

Responsibilities

Conduct credit due diligence and credit decision making in a professional, thorough, and timely manner

Prepare written credit risk analysis in accordance with OFD Credit Policies and SOX requirements

Identify strengths, risks, and mitigants and assign accurate risk ratings to customer business entities

Perform in a responsive manner while controlling risks

Obtain information related to financial condition and performance, operations, management, competition, and industry economics

Analyze corporate credits, state and local government (municipal) credits, and hospital credits

Work with funding sources to ensure funding liquidity of closed Oracle Financing transactions

Create and maintain orderly credit files, including credit review write-ups

Qualification

Credit underwritingCredit decision makingFinancial analysisQuantitative skillsAnalytical skillsExcelWritten communicationOral communicationProblem solvingNegotiation

Required

10+ years of work experience in credit underwriting and credit decision making with a bank, leasing company, and/or captive finance company

Bachelor's Degree in Finance, Economics, or Accounting

Excellent quantitative and analytical skills

Ability to prioritize conflicting deadlines for deliverables and customer issues

Ability to make independent credit decisions under pressure and in a timely manner

Intermediate level of software (Excel and Word)

Ability to perform advanced financial and ratio analysis

Ability to think analytically and problem solve

Ability to provide appropriate structures and negotiate terms

Strong written and oral communication skills

Preferred

Experience underwriting state and local government (municipal) entities and hospitals a plus

MBA preferred

Strong academic performer a plus

Benefits

Medical, dental, and vision insurance, including expert medical opinion

Short term disability and long term disability

Life insurance and AD&D

Supplemental life insurance (Employee/Spouse/Child)

Health care and dependent care Flexible Spending Accounts

Pre-tax commuter and parking benefits

401(k) Savings and Investment Plan with company match

Paid time off: Flexible Vacation is provided to all eligible employees assigned to a salaried (non-overtime eligible) position. Accrued Vacation is provided to all other employees eligible for vacation benefits. For employees working at least 35 hours per week, the vacation accrual rate is 13 days annually for the first three years of employment and 18 days annually for subsequent years of employment. Vacation accrual is prorated for employees working between 20 and 34 hours per week. Employees working fewer than 20 hours per week are not eligible for vacation.

11 paid holidays

Paid sick leave: 72 hours of paid sick leave upon date of hire. Refreshes each calendar year. Unused balance will carry over each year up to a maximum cap of 112 hours.

Paid parental leave

Adoption assistance

Employee Stock Purchase Plan

Financial planning and group legal

Voluntary benefits including auto, homeowner and pet insurance