Credit Manager

Description

Summary Posted: Feb 21, 2023 Weekly Hours: 40 Role Number: 200464020 Imagine what you could do here. At Apple, new ideas have a way of becoming great products, services, and customer experiences very quickly. Bring passion and dedication to your job and there's no telling what you could accomplish. Do you love thinking analytically? Are you passionate about using your financial knowledge to navigate complex challenges? Just as our customers find value in Apple products, the Finance group finds value for both Apple and its shareholders. As part of this group, you’ll play an integral role in ensuring our day-to-day financial health. You and your team will support Apple’s growth, both top and bottom line, by applying the same level of innovation toward financial matters as we do toward our products and services. You’ll also collaborate with Apple teams across the world to develop more effective investment strategies and risk management. Finance is essential to upholding our global commitment to perfection, and it is directly responsible for shaping the company’s future. Join us, and you’ll have a meaningful role in continuing Apple’s legacy of efficiency and success. This is an opportunity for a highly analytic credit specialist to help cover our Americas portfolio. This position is an integral part of the Americas credit team’s efforts to ensure robust and commercially sound credit decisions are taken to support our sales teams’ efforts to grow business with our U.S. and Canadian customers. Key Qualifications

• 3-7 years of credit and risk analysis required, preferably in a bank or other finance institution focused on credit-related investment analysis
• Dynamic commercial credit and risk assessment experience
• Extraordinary skills in financial statement analysis and evaluation of credit dynamics is required
• Strong communication skills with ability to provide succinct and articulate credit analysis and recommendations – within Apple, as well as with customers’ finance leaders
• Negotiation experience with risk mitigation instruments and documentation
• Strong social and organizational skills with participation in cross-functional teams to improve processes
• Experience analyzing telecommunications, distribution and retail industry segments, a strong plus
• Trade credit assessment / collections experience a plus
• Distressed / workout experience a plus
• SAP systems experience a plus

Description Position will directly lead a select number of accounts in the U.S. and Canada portfolio Analyze financials and assess credit worthiness of corporate customers, with specific focus on the telecommunications, distribution and electronic retail sectors Due diligence including customer interaction, credit screening of potential new customers and monitoring of existing customers Assessing credit limit requirements and recommending new credit limits or changes in limits that are appropriate for customers’ risk profile Prepare quarterly portfolio and customer level credit reviews Build positive relationship with work partners in Sales Finance, Sales, Operations, Global Finance Shared Service Potential to also lead credit workflow of the group, depending upon level of experience Education & Experience Bachelor degree required; preference in business with concentrations in accounting, finance and economics MBA, CPA or CFA a plus Additional Requirements Pay & Benefits

• At Apple, base pay is one part of our total compensation package and is determined within a range. This provides the opportunity to progress as you grow and develop within a role. The base pay range for this role is between $96,500 and $145,000, and your base pay will depend on your skills, qualifications, experience, and location.
  
  Apple employees also have the opportunity to become an Apple shareholder through participation in Apple’s discretionary employee stock programs. Apple employees are eligible for discretionary restricted stock unit awards, and can purchase Apple stock at a discount if voluntarily participating in Apple’s Employee Stock Purchase Plan. You’ll also receive benefits including: Comprehensive medical and dental coverage, retirement benefits, a range of discounted products and free services, and for formal education related to advancing your career at Apple, reimbursement for certain educational expenses — including tuition. Additionally, this role might be eligible for discretionary bonuses or commission payments as well as relocation. Learn more about Apple Benefits.
  
  Note: Apple benefit, compensation and employee stock programs are subject to eligibility requirements and other terms of the applicable plan or program.