Credit Specialist

Ryder System, Inc.

. Analyze creditworthiness and risk for Ryder's Rental, National Rental, and Freight Management Group customers .

Posted 9/24/2026full-timeRemote • United StatesJuniorMid-Level💰 $55,000 - $65,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in credit analysis and risk assessment, with a strong ability to interpret financial data and make informed credit decisions. Proficient in developing actionable plans to support sales growth while managing risk effectively.

Highest-signal resume keywords

Credit AnalysisFinancial Statement AnalysisRisk AssessmentMicrosoft ExcelCredit Software

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AnalysisFinancial Statement AnalysisTrend AnalysisCredit Risk AssessmentData InterpretationCredit Decision MakingDocumentation VerificationAction Plan DevelopmentQueue ManagementDetail Orientation

Soft Skills

Verbal CommunicationWritten CommunicationTeam CollaborationIndependent WorkJudgment and Decision-Making

Tools & Technologies

Microsoft OfficeCorteraEquifax

Industry Keywords

CreditworthinessRisk ManagementSales Revenue GrowthCustomer DocumentationCollections

About the role

Key responsibilities & impact

Analyze creditworthiness and risk for Ryder's Rental, National Rental, and Freight Management Group customers
Provide value-added analysis, recommendations, and process improvements
Provide credit and business recommendations to local management to support sales revenue growth while mitigating risk
Work with Rental, National Rental, and FMG sales groups on credit requests for new customers and increased credit lines
Assist lease analysts with preliminary credit reviews for assignees and assignors
Obtain Ryder documentation, including TLSA, nfusion information, and Ryder history
Review credit reports, Ryder and company history, and financial statements
Evaluate customer credit deterioration and re-evaluate desired exposure and proper credit lines
Develop action plans to reduce rentals when needed
Communicate with stop loss, collections, sales, and operations regarding problem or high-risk accounts
Verify critical customer documentation and security, including ACH amendments, cash deposits, ILOCs, and guarantees
Review the Credit Hold Mailbox daily to ensure proper information is provided
Assist with ad hoc departmental tasks and perform other assigned duties

Requirements

What you’ll need

Bachelor's degree in business, finance or accounting or 3 years equivalent business work experience
Two (2) years or more experience in commercial credit
Two (2) years or more experience in financial statement analysis preferred
Ability to analyze and interpret financial data
Ability to complete spreads, analyze trends, and assess credit risks
Ability to manage work queues, emails, and calls from multiple sources
Strong verbal and written communication skills
Ability to work independently and as a member of a team
Ability to render responsible credit decisions
Ability to assess situations, gather information, identify key issues, and structure deals to minimize risk and grow sales
Excellent judgment and decision-making skills
Detail-oriented with excellent follow-up practices
Intermediate knowledge of Microsoft Office products, including Excel, Word, PowerPoint, and Access
Intermediate knowledge of credit software and credit scoring systems such as Cortera or Equifax
Willingness to travel 1–10%

Benefits

Comp & perks

Medical insurance
Prescription coverage
Dental insurance
Vision insurance
Life insurance
Disability insurance
Paid time off for vacation, illness, bereavement, family and parental leave
Tax-advantaged 401(k) retirement savings plan
Annual bonus, commission, and/or long-term incentive plan eligibility may apply
Remote work arrangement