Senior Risk Analyst – Canon USA – Mount Laurel, NJ

Company Overview:
Canon Financial Services, Inc. (CFS) is a wholly-owned subsidiary of Canon U.S.A., Inc.

Canon U.S.A., Inc., is a leading provider of consumer, business-to-business, and industrial digital imaging solutions to the United States and to Latin America and the Caribbean (excluding Mexico) markets. With approximately $31 billion in global revenue, its parent company, Canon Inc. (NYSE: CAJ), ranks third overall in U.S. patents granted in 2014† and is one of Fortune Magazine’s World’s Most Admired Companies in 2015. In 2014, Canon U.S.A. has received the Readers’ Choice Award for Service and Reliability in the digital camera and printer categories for the 11th consecutive year. Canon U.S.A. is committed to the highest level of customer satisfaction and loyalty, providing 100 percent U.S.-based consumer service and support for all of the products it distributes. Canon U.S.A. is dedicated to its Kyosei philosophy of social and environmental responsibility. In 2014, the Canon Americas Headquarters secured LEED® Gold certification, a recognition for the design, construction, operations and maintenance of high-performance green buildings. To keep apprised of the latest news from Canon U.S.A., sign up for the Company’s RSS news feed by visiting and follow us on Twitter @CanonUSA. For media inquiries, please contact

Canon U.S.A’s extensive product line and digital solutions enable businesses and consumers worldwide to capture, store and distribute information.

With the strength of the Canon brand name behind us, CFS has become the premier financing source for Canon commercial products. We are at a financial institution that provides a diverse array of leasing options to our dealers and their customers.

† Based on weekly patent counts issued by United States Patent and Trademark Office.

Canon is proud to be an equal opportunity employer. Minority/Female/Individuals with Disabilities/Protected Veterans. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability or protected veteran status, or any other characteristic protected by law. To read more about employment discrimination protections under federal law, please visit this site:

Position Overview:
The Senior Risk Analyst is responsible for making sound credit decisions within required turnaround times, investigating and decisioning credit requests using multiple credit resources. Required competencies include strong financial statement and credit analysis skills, and strong communication and negotiation skills. This is a highly interactive role that requires daily collaboration with inside and outside sales representatives. The Senior Risk Analyst must be comfortable in a team environment, working with other Risk Analysts and members of the Sales Support, Documentation and Customer Service & Collections Departments to resolve risk management issues within appropriate guidelines. This position has credit and lease documentation authority of up to $500,000.00.

Reviews and analyzes credit scoring metrics in a proactive and timely manner, utilizing various resources, including but not limited to, Dun & Bradstreet, Experian Business and Consumer Reports, PayNet, CFS pay history, SEC, rating agencies (Moody’s, S&P, and Fitch), regulatory resources such as FDIC, Insurance Commissions, etc, and various other web resources.

Reviews and decisions transactions within assigned authority, including recommendations from Risk Analysts, and makes recommendations on transactions in excess of assigned authority.

Independently completes financial statement spreadsheets and analysis and accurately identifies material credit strengths and concerns.

Reviews and completes credit line renewals using the line of credit report.

Selects appropriate documents on approvals based on Business Rule guidelines.

Reviews and approves changes to contract terms and conditions within assigned authority.

Communicates credit decisions and status of pending applications to CFS Sales Support and/or dealers in a timely manner.

Communicates with dealers and customers to obtain required credit and financial information as needed.

Regularly updates system comments to keep all parties informed of the status of all credit applications.

Ensures that dealer and customer concerns are resolved in a timely and appropriate manner without undermining risk management standards

Develops and maintains effective working relationships with internal and external customers.

Negotiates complex credits to obtain favorable lease structures that win business without compromising credit standards

Seeks guidance as appropriate from Risk Manager.

Provides coverage support for assigned region and other regions as required.

Serves as mentor to Risk Analysts.

Completes assigned Canon Academy and other courses on or before due date with required level of proficiency.

Other responsibilities as assigned.

Bachelor’s Degree or equivalent, preferably in finance or a related subject

At least 5 years of related work experience

Working knowledge of credit and financial statement analysis

Ability to effectively negotiate and close structured approvals for challenging credits

Clear understanding of equipment lease operations

Ability to communicate effectively to resolve issues in a professional and congenial manner Working knowledge of Infolease and Rapport strongly preferred.

Team player and self-starter with high energy, positive outlook and professional demeanor

Career oriented, with a focus on career growth in the equipment finance business.

Ability to handle multiple tasks and accurately complete assignments within expected time frames

Working knowledge of Microsoft Office , particularly Word and Excel

Strong interpersonal skills , including rapport building, listening, and questioning skills.

Ability to work effectively in a fast paced environment

Complete special projects as assigned

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