Sr Credit Specialist II at Clipper Magazine in Mountville, Pennsylvania

Job Description:

                    

BUILD your career with an organization that is a leader in national advertising focused on local flavor.  As part of our team, you will help our clients reach more than 211 million homes each year with the best deals available.

LIVE your passion through a culture that actively supports community involvement and delivers hope to missing children and their families across the nation through its involvement in the Have You Seen Me?® Program.

CREATE our future by delivering highly relevant, useful and smart content - when and how people need it - to make the best decisions possible in navigating their local community.

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Position Summary:  

The Senior Credit Specialist II directly assists the Credit Manager. This positions supervises Credit Analyst (I/II) as assigned and serves as a Credit Specialist for high maintenance/volume account executives for various products and multiple deadlines. This role is a problem solver, has the ability to reconcile accounts, and analyze credit risk for the department. They will resolve conflict between Account Executives and the Credit Analyst (I/II) regarding credit issues. They will research and document credit risk, review credit limits and assist in the recommendation of credit policies, while balancing business needs of internal and external client satisfaction.  This position works with Customers, Sales, Operations and Production in order to maximize sales and minimize write-offs for the company, in a time sensitive, deadline driven business.  They ensure weekly deadlines are met for the department. They will discuss problems, complex issues and communicate effectively to varied audiences, including the ability to position and present negative news without impacting a relationship. This position requires a highly organized and analytical thinker who can quickly adapt to daily challenges and take on a variety of responsibilities within tight deadlines.

Key Duties / Responsibilities:

Communicate credit recommendations and requirements to team, sales and customers including payment deadlines for upcoming orders.  Communicate credit recommendations and summaries to upper management and other high level internal associates.  Review credit lines/terms on acquired customers and communicate discrepancies and recommendations to the Integration Management Team. Daily inter company communication with Sales, Management, Production and Operations regarding financial issues that could negatively affect upcoming orders.  Manages customer communication and relationships, communicating credit decisions, changes in credit status, and the necessary financial requirements for any new or existing order. Handles customer contact requiring tact and courtesy in complex situations. Follow up with Sales and/or Customer on approved credit exceptions.  Direct billing adjustments/inquiries to respective party.   25%

Analyzes and determines the creditworthiness of new and existing customers. Vetting new customers to identify businesses that have credit restrictions due to company credit policy which will drive credit decisions. Approve and deny credit requests to new and existing customers up to leader defined amounts. Evaluates customers orders on a daily basis, assigning credit limits and payment terms in cooperation with the businesses we support.   Monitor, maintain and update the product designated worklist with approval or denial of ads printing, based on credit and risk authority guidelines by mandated product deadlines. Intervene when conflict arises between Sales and team member, if direct report is assigned. Review any Insertion orders with any notes in regards to payment or credit line/terms.  Reviews submitted payment plans to ensure client remains within assigned credit terms and limits.   Negotiates payment requirements that protect Clippers interest and understands the impact of decisions. Review requests from Credit Analysts (I/II) for the release of holds placed on customer accounts.   25%

Gather and review supporting documents for credit requests such as web research, credit reports, and client history and submit for required approval. Furnish credit history reports (D&B) as needed for Credit Department. Request financial statements, credit references and other confidential information as needed for credit files as required by company credit policy. Analyze credit up to leader defined amounts to detrmine degrees of risk involved in extending credit to current and prospective customers. Re-assesses credit limits on an ongoing basis.  Document credit decisions, communication and activity on each customer account. Responsible to update any changes in credit status on customers account. Monthly review and reporting of customers violating analyst approved credit terms and lines of credit.  Monitor and maintain the Unpaid OPP Report and follow up with customer or account executive for payment.   20%

Verifies receipt of payment and ensures that payments are applied properly on account.  Retrieves needed documentation from lockbox as requested by Credit Analysts (I/II). Schedules credit card and/or ACH payments according to instructions placed on Insertion Order or provided by customer. Identifies the need and submits the necessary documentation for any required refund requests on customer accounts.  Notifies collections of any disputes or potential collection issues and works closely with the collections department to provide support in the attempt to collect outstanding balances.  Handles customer inquiries and billing requests on account. Informs appropriate parties of any customers special handling requirements at time of billing to ensure prompt payment to company.   10%

Able to react to change productively and perform special assignments/projects required by management.  Provide support and coverage for the credit manager and department during busy times or during vacations.  Resposible to introduce acquired sales team to company credit policies and procedures during integration and post integration periods. Has full knowledge of all company products, speciality products and services. Initiating and responding to credit reference requests.  Submits vendor set up applications for new customers as needed. Required to participate in training credit presentations for new sales executives.   5%

Provide guidance, training, and support to Credit Analyst I, II & Senior Credit Specialist. Ensures knowledge transfer, address process questions, provides guidance for problem resolution, process improvements, time savings and daily credit situations. Update and maintain department training manual.  Regular meetings with team to discuss workload and potential receivable problems.  Develop, implement, and monitor training programs for new and existing products and procedures under the guidance of the Credit Manager.   Complete monthly reporting for the department as well as perform audits of associate work and provide recommendations to Analyst Manager for associate performance appraisals.   15%

Education & Knowledge: 

High School Diploma required.  Bachelor degree in F&A, Economics or Business Administration preferred

Must be proficient in Microsoft Word, Excel, Adobe and Windows XP

1 year experience as a Senior Credit Specialist or equivalent experience

Experience / Skills / Abilities:

Ability to deal effectively with deadlines and pressures in a time sensitive environment

Ability to work independently as well as a team environment

Organized, exceptional attention to detail

Excellent clerical and interpersonal skills

Accomplished in making decisions / resolving conflicts

Ability to prioritize and handle multiple tasks

A full understanding of all internal procedures

Ability to motivate and demonstrate good leadership skills

Excellent communication skills and follow up; basic math skills

Ability to work extra hours, beyond regular schedule, to complete work assignments as needed.

Ability to be diplomatic yet firm

Supervisory Responsibility: YES

Communication & Contacts (Internal/External):

Communication will be both verbal and written, through phone and email, primarily with sales employees, customers, as well as with various departments in the Corporate Office and external vendors.

Physical Requirements / Working Conditions:

Position will be located in the Mountville, PA office. Travel is none to rare. Must be able to work 8-5 pm and possible over time on Monday, and Tuesday evenings when dealing with last minute credit issues and deadline.  Position may be demanding as a result of deadlines and interruptions to work.

Employees are responsible for supporting and complying with internal and external audits, to include providing information, performing assigned tasks to ensure compliance, and preparing and maintaining evidence that key duties identified as internal controls have been performed. All employees are responsible for supporting and complying with safety and security policies to promote a healthy working environment.

We are the best local advertising in America with a national reach.

Clipper Magazine and its digital compliment, LocalFlavor.com, helps small-to-medium sized businesses grow through multiple marketing solutions.

Clipper Magazine and its affiliated brands* feature local advertisers and national brands to create a one-of-a-kind, community-oriented publications that reflects the unique "flavor" of each market.  Each edition offers special values on all goods and services desired and sought after by consumers.

Our digital marketing solutions include LocalFlavor.com, which hosts additional savings and half-price Deals.  A customer-retention program, Total Loyalty Solutions, gives local merchants the online power of larger companies with a suite of digital tools, including branded mobile apps, email marketing and website services.

*Clipper Magazine also publishes under the brands Local Flavor, Mint Magazine, Reach, Great Deals, Market Magazine, Get1Free and The Flyer.

Clipper Magazine considers applicants for all positions without regard to race, color, creed, religion, national origin or ancestry, sex, sexual orientation, gender identity, age, disability, genetic information, veteran status, or any other classifications protected by law.  In addition, Clipper Magazine will provide reasonable accommodations for qualified individuals with disabilities by contacting our recruiting coordinator,, Mary Greenheck at  .

EEO is the law. To review your rights under Equal Employment Opportunity please visit: www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf.

 

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