The Credit Specialist is responsible for assisting sales reps and sales agents in obtaining new business while protecting Trinity’s financial risk. This position will review potential and existing companies to determine their credit worthiness and the impact on the company’s portfolio. The Credit Specialist’s performance is measured by the number of credit decisions for new and existing customers, post-mortem analysis of bad debt write-offs vs. credit intake decisioning, and the ability to increase revenues through new credit arrangements. This position requires extensive collaboration with sales agents and Team Members of our Regional Service Centers to create the most successful outcome for all involved.
Utilize our computerized operations system(s) to perform duties and responsibilities. In this role, it is important to be comfortable working within different types of software in order to obtain the information needed. Keeping detailed notes in each account is imperative to provide a historical account of decisions, progress made, and information discovered.
Review credit information to determine whether the requested/present credit line(s) should be approved, reviewed, reduced, increased, put on hold, or denied. Meet or beat SLA’s for the credit approval process.
Work closely with the Credit & Collections Manager to develop personal and professional goals and communicate potential obstacles.
Be able to recognize potential areas of income for sales agents and Trinity when reviewing the credit profile of current and potential customers.
Actively participate and contribute to Team meetings and other scheduled events. Attendance is required at monthly Support Team meetings and quarterly Company meetings. As this position may be approved for telecommuting or working remotely, the Team Member agrees to come to the Delaware office as requested for work purposes, with appropriate notice.
Respond in a timely and legal manner to outside requests for credit reference information.
Produce daily, weekly and monthly Collections reports.
Regularly review status of 3rd party placements and bankruptcy claims. Drive appropriate action by third parties and note outside activity within the collections database.
Maintain communication with other departments/offices to address credit areas for improvement, proactively offering solutions and implementing improvements. Nurture, build, and maintain trusting, ethical, and influential relationships within the organization and with Team Members.
Read and analyze financial statements of various companies as well as monitor the credit rating of Trinity Logistics and communicate to Credit and Collections Manager and CFO any relevant changes. Make sound credit decisions based on internal and external credit reporting resources.
Understand credit reporting data and its ability to predict credit trends of potential and current customers.
Maintain familiarity with commercial bankruptcy procedures and legislation, overseeing the accounts within the Trinity portfolio that are undergoing this process according to our SOP.
Assist collections in contacting customers for payment.
Develop & manage account profitability reporting to assist in visualizing trends in the credit process.
Participate in special projects, as required.
Prior commercial credit experience. Financial statement analysis preferred.
Effective problem-solving skills and responsiveness to customer and Trinity employee needs.
Excellent customer service skills, including verbal and written communication skills.
Good mathematical skills with experience using Microsoft Office software with an emphasis on Outlook and Excel.
Ability to work effectively under pressure.
Strong sense of team values.
Demonstration of a commitment to living Trinity’s Guiding Principles.
WORK ENVIRONMENT / PHYSICAL DEMANDS: This job operates in a physical office environment. While performing the duties of this job, the employee is regularly required to talk and hear. The employee frequently is required to stand; walk; use hands, arms and fingers to handle and lift objects up to 20 pounds.
ADDITIONAL RESPONSIBILITIES: This job description does not imply that the above functions are the only tasks that may be required. Team Members will be expected, if possible, to follow any other job-related instructions and perform any other job-related tasks as requested.
EEO STATEMENT: Trinity Logistics, Inc. is an Equal Opportunity employer. All Team Members and applicants are considered without regard to race, color, religion, sex, sexual orientation, gender identity, age, national origin, disability, or any status which is protected by state or federal law.
In 1979, Ed and Deana Banning decided to take a leap of faith and started a business called Trinity Transport. They ran the company for 12 years before taking an even larger leap of faith, selling the majority of the company to their children in the early 1990’s. In 2012, Trinity Transport changed its name to Trinity Logistics, to reflect its growth to a top third-party logistics (3PL) company. Despite the growth, the Banning Family was adamant on protecting the Guiding Values of the company, keeping the culture of servant leadership alive. Today, Trinity Logistics is a Team Member Owned (ESOP) leading 3PL company specializing in freight arrangement and supply chain solutions. Based in Seaford, Delaware, Trinity has Regional Service Centers throughout the U.S. serving our customers, large and small.