Senior Credit Analyst - Monterrey
John Deere
There are 7 billion people on this planet. And by 2050, there will be 2 billion more... many moving into urban centers at an unprecedented rate. Making sure there is enough food, fiber and infrastructure for our rapidly growing world is what we’re all about at John Deere. And it’s why we’re investing in our people and our technology like never before in our 175-year history. Here the world’s brightest minds are tackling the world’s biggest challenges. If you believe one person can make the world a better place, we’ll put you to work. RIGHT NOW.
Title: Senior Credit Analyst - Monterrey
Primary Location:
Function: Accounting / Finance
John Deere is a foremost leader in the ag equipment business, and we continue to put a solid stamp on other industries. For over 150 years, the company’s portfolio of groundbreaking products has grown to include industries related to and outside of agriculture, including Turf, Construction and Forestry and Wind Technologies. The image of John Deere is no longer that of a signature green tractor meandering across a field; it’s been replaced with an image of acceleration, swift progress, and innovative leaping toward the company’s 200th year. The product line alone serves as proof with advances in machine performance, equipment automation, fleet management, and John Deere’s ongoing investment in emerging markets.
Note: All candidates should have their tax situation certificate (Constancia de Siituación Fiscal) up to date with the salary regime to be eligible for the hiring process.
Main Responsibilities
- Collect and analyze credit information associated with authorization score, credit limit availability, pay history, and credit bureaus in conjunction with applying credit structuring guidance using pre-set tools, methods, and formats. Involves working independently.
- Interpret data and identify possible answers in relation to credit requests and profile assessments. Involves navigating a wide variety of processes, procedures, and precedents.
- Resolve complex queries from channels or suppliers by providing information on policies and/or procedures, referring complex issues to others.
- Provide a quality service to channels by answering phone calls when credit applications are not automatically approved. Responsibilities may include processing cases, dealing with complex queries, and investigating and proposing risk-based solutions.
- Conduct data entry into company systems, and review and verify the information to ensure accuracy and accessibility. Select appropriate documents based on policies and procedures.
- Develop knowledge and understanding of the organization's policies and procedures and of relevant regulatory codes and codes of conduct to ensure own work adheres to those standards. Obtain authorization from a supervisor or manager for any exceptions from mandatory procedure.
- Build effective working relationships within the internal client organization, delivering high-quality professional services with guidance from senior colleagues.
- Develop own capabilities by participating in assessment and development planning activities as well as formal and informal training and coaching; gain or maintain external professional accreditation, where relevant, to improve performance and fulfill personal potential. Maintain an understanding of relevant technology, external regulation, and industry best practices through ongoing education, attending conferences, and reading specialist media.
- Contribute to the investigation of cases of suspected fraud or financial crime by gathering, analyzing, and retaining information and physical evidence to support criminal investigation and/or legal action. Recommend further actions to the lead investigator.
What Skills You Need
- Direct credit underwriting experience or equivalent financial acume
- Demonstrated communication and negotiation skills
- Strong computer skills and advanced knowledge of Microsoft Office products
- Works without supervision, and provides technical guidance when necessary
- Understanding of financial statements, cash flow and key financial ratios
- Ability to perform telephone work plus the capacity to quickly change focus on work activities
What Makes You Stand Out
- Experience in the Construction and Forestry Industry
- John Deere Channel Experience
- Knowledge of AI and other digital tools
- Credit acceptance or related experience (2– 5 years)
- Experience working in customer service or related customer-oriented environment (1 – 3 years)
Education
- Degree in a Business/Management discipline or equivalent experience - University degree (4 years or equivalent)
- Degree in Accounting/Finance discipline or equivalent experience - University degree (4 years or equivalent)
Candidates must have the necessary work permits to work in the country.