Senior Credit Analyst

Our Company
Changing the world through digital experiences is what Adobe’s all about. We give everyone—from emerging artists to global brands—everything they need to design and deliver exceptional digital experiences! We’re passionate about empowering people to create beautiful and powerful images, videos, and apps, and transform how companies interact with customers across every screen. 
We’re on a mission to hire the very best and are committed to creating exceptional employee experiences where everyone is respected and has access to equal opportunity. We realize that new ideas can come from everywhere in the organization, and we know the next big idea could be yours!

The Opportunity

As a Senior Credit Analyst, you will monitor, interpret, and analyze Independent and third-party financial data to assess and evaluate Adobe’s direct enterprise customers' credit risk.

Analysts will be able to accurately interpret financial statement data and provide a written opinion supporting, recommending, and approving appropriate credit limit decisions. The complexity of all reviews is determined by the type of credit relationship requested, the credit limit required, and individual customer credit risk within designated geographic regions. This role requires excellent analytical skills, attention to detail, and strong knowledge of financial statement analysis, accounting principles, and regulations. Your financial analysis and risk assessment expertise will help the credit team make informed and strategic decisions regarding credit approvals and customer credit limits.

What you'll Do

• Use In-depth knowledge of financial analysis techniques, credit risk assessment, and industry best practices to assess the risk of extending open credit and recommend credit limit approvals or rejections.

• Perform a detailed examination of financial documents, credit reports, and other pertinent information to determine the creditworthiness of individuals and businesses.

• Evaluate customers' financial health by analyzing their operating income, debt levels, and liquidity.

• Excellent written and verbal communication skills, with the ability to present complex financial information clearly and concisely. Building and maintaining effective relationships with customers and internal partners is key.

• Monitor and manage the credit exposure of existing borrowers by reviewing documents related to finances and conducting periodic risk assessments. The candidate should have the ability to work independently and lead several priorities in a fast-paced, fast-paced environment.

• Stay updated on industry trends, economic indicators, and regulatory changes that may impact credit risk.

• Collaborate with other departments, such as Sales, Finance, and Revenue teams, to communicate recommendations from credit evaluations.

• Provide guidance and support to Treasury and other credit team staff from your analysis and decision-making processes.

• Build and maintain client relationships, ensuring clear communication and understanding of credit terms and conditions.

• Assist in developing and implementing credit policies, procedures, and risk assessment models to improve overall credit management.

What you need to succeed

• 5+ years of financial statement analysis and credit review experience

• Bachelors degree in Finance or Accounting

• A Senior Credit Analyst plays an essential role in assessing clients' creditworthiness and ensuring a company's financial stability.

• Their expertise in analyzing financial data, evaluating risk, and making informed credit decisions is vital in improving profitability and minimizing potential losses.

Our compensation reflects the cost of labor across several  U.S. geographic markets, and we pay differently based on those defined markets. The U.S. pay range for this position is $65,800 -- $147,400 annually. Pay within this range varies by work location and may also depend on job-related knowledge, skills, and experience. Your recruiter can share more about the specific salary range for the job location during the hiring process.

At Adobe, for sales roles starting salaries are expressed as total target compensation (TTC = base + commission), and short-term incentives are in the form of sales commission plans.  Non-sales roles starting salaries are expressed as base salary and short-term incentives are in the form of the Annual Incentive Plan (AIP).

In addition, certain roles may be eligible for long-term incentives in the form of a new hire equity award.

Adobe will consider qualified applicants with arrest or conviction records for employment in accordance with state and local laws and “fair chance” ordinances.

Adobe is proud to be an Equal Employment Opportunity and affirmative action employer. We do not discriminate based on gender, race or color, ethnicity or national origin, age, disability, religion, sexual orientation, gender identity or expression, veteran status, or any other applicable characteristics protected by law. Learn more.
 

Adobe aims to make Adobe.com accessible to any and all users. If you have a disability or special need that requires accommodation to navigate our website or complete the application process, email [email protected] or call (408) 536-3015.

Adobe values a free and open marketplace for all employees and has policies in place to ensure that we do not enter into illegal agreements with other companies to not recruit or hire each other’s employees.