Credit Analyst II (US)

About our group: Seagate’s Credit Department mitigates credit risk and enables profitable growth by managing credit lines and exposures worldwide. We support our Collections Team and partner closely with Sales, Sales Operations, Finance, and Legal to maintain strong customer relationships while protecting Seagate’s balance sheet. Our portfolio includes large, global customers, and we perform credit assessments and credit limit recommendations in-house—leveraging customer financial statements, payment behavior, and market intelligence, rather than relying solely on external credit rating agency data. We are an organized and well-established global group focused on high-quality service and continuous improvement. About the role - you will: - Work closely with relevant departments to secure customer data and financial statements - Perform credit analysis for new and existing customers and assess the credit risk associated with the proposed or assigned credit line - Perform in-depth financial analysis and provide recommendations to support management decision-making - Create ad-hoc analyses, executive summaries, and recurring reporting to support management decision-making - Monitor and analyze key economic indicators across AMER, EMEA, and APAC - Identify potential risks and opportunities within the Global customer portfolio - Perform cash flow analysis and create customer forecasts - Conduct research and conceptualize new techniques, ideas, and solutions for a variety of credit challenges - Provide relevant departments with critical updates on the financial condition of their customers - Partner with Sales and Sales Operations to support order management decisions (e.g., holds/releases) by monitoring credit exposure, past-due trends, and dispute risk - Work as one global team: coordinate and facilitate credit and collections efforts with close communication and collaboration across regions - Enforce credit policies and procedures through, but not limited to, the following: - Be familiar with the policies and procedures - Maintain and update desktop procedures on a regular basis - Communicate and enforce policies when necessary - Assist with SOX controls and compliance procedures - Perform ad-hoc control procedures that may be assigned About you: - Eager to learn and curious about what is going on in the World - Strong attention to detail and ability to notice discrepancies in data - Interested in new techniques using AI and Machine Learning to automate and improve credit analysis - Able to interpret and synthesize financial data, news, and relevant market intelligence (including third-party sources) as inputs to Seagate’s in-house credit assessment - Experience in developing mathematical and statistical models is a plus - Being proactive on taking actions on anticipated environmental changes, legislation, market movements, annual performance results of our customers, and compliance with statutory and regulatory requirements. - Basic concept of credit risk mitigation strategies, practices, and systems - Exceptional analytical skills - Knowledge in analysis of financial statements, cash flow analysis, industry/market credit research, and ever-changing country risks is a plus - Outstanding communication and presentation skills with the ability to develop customer relationships, negotiate, and effectively relay information and resolve disputes - Possess a process improvement mindset with a desire to consistently look for ways to improve efficiency and service while maintaining a “big picture” perspective - Proven initiative to support current and future growth **Please note: Visa sponsorship is not available with this position Your experience includes: - Working in a credit analysis function or quantitative experience Bachelor’s and/or equivalent experience - Proficiency with Microsoft Office applications (Word, Excel, Power Point) - Excellent English verbal and written communication skills (Understanding and reading Chinese fluently is a plus) - Ability to effectively manage competing deadlines for projects, with varying degrees of supervision You May Also Have: - Familiarity with SAP system - Worked in larger scale corporations that have presence worldwide Location: United States Remote; United States; This is a fully remote opportunity. Seagate is able to offer virtual employment for this position in the following states: AL, AZ, CA, CO, CT, FL, GA, ID, IL, IN, KS, KY, MA, MD, MI, MN, MO, NC, NH, NJ, NM, NY, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WY. The estimated base salary range for this position is $59,300 - $84,700. The individual salary is based on work location and additional factors, including job-related skills, experience, and relevant education or training. Seagate offers comprehensive benefits to its eligible employees, including, but not limited to, eligibility to participate in discretionary bonus program, medical, dental, vision, and life insurance, short-and long-term disability, 401(k), employee stock purchase plan, health savings account, dependent care, and healthcare spending accounts. Seagate also offers paid time off, including 12 holidays, flexible time off provided pursuant to Seagate policy, a minimum of 48 hours of paid sick leave, and 16 weeks of paid parental leave. The benefits for this position are based on a full-time schedule for a full calendar year and may differ depending on work location. Location: Remote United States Travel: Up to 10%