What are the responsibilities and job description for the Credit and Risk Senior Manager position at Textainer?
The Senior Credit Manager is responsible for overseeing and managing credit and risk for Textainer, working closely with the CFO. This role requires the evaluation and monitoring of credit risk for leasing and resale customers, as well as managing credit and equipment exposure. The Senior Credit Manager identifies potential credit risks within the portfolio and develops strategies to mitigate them. Additionally, the Senior Credit Manager will assist the CFO in identifying, monitoring, and managing overall enterprise risk across the organization.
DUTIES & RESPONSIBILITIES
- Perform and review ratio analysis of customer financial statements and disclosures.
- Analyze customer credit information obtained from industry sources, credit and rating agencies, trade and bank references – and monitor customer creditworthiness.
- Liaise with Marketing Team and obtain timely updates on customers.
- Identify and monitor customer and industry risk factors.
- Maintain and manage Customer Credit Profiles for primary customers.
- Manage Credit Committee meetings to report Textainer credit performance and to inform and collaborate with Management Team, as needed.
- Perform holistic industry, regional and portfolio analysis to identify potential disruptive or material risks and provide recommendations for risk mitigation.
- Review, update and manage Textainer’s credit policies and procedures.
- Review and manage compliance with agreed credit limits for the entire portfolio; address non-compliance, collections and asset recovery requirements (with Marketing and Legal Teams).
- Review, manage and monitor Textainer’s insurance coverages; liaise with insurers and brokers.
- Establish and maintain relationships with industry contacts to monitor trends and obtain real-time data.
- Have a working knowledge of OFAC (and other recognized) sanctions requirements and monitor and manage screening tools.
- Work with CFO on identification and management of enterprise risks to Textainer and related mitigation strategies.
- Other periodic questions or requests from Billing and Operations Teams.
- Other special projects as required.
REQUIRED QUALIFICATIONS :
Knowledge and Skills :
Education and Experience :
Physical Requirements :
Textainer is an equal opportunity employer. Please see the Textainer Careers page for our notice to applicants and employees.
