Risk Manager is responsible to lead associates to achieving our strategic credit processing goals.  Manage associates to decision applications timely and accurately utilizing various credit resources.  The position is responsible to create and manage a team to provide extraordinary customer service to our internal and external customers.  Create a team environment with the associates in the Originations, Documentation, Collection and Bid groups to ensure we conduct all activities within strategic performance criteria. 

Entry level with Credit Authority up to $2,000,000 and Lease Signing Authority of $2,000,000.

Key Responsibilities:

• Manage a team of Risk Analysts to ensure that we achieve our Strategic Departmental Goals.
• Providing associates timely, candid and constructive performance feedback; developing associates to their fullest potential to enhance career growth; recognizing and rewarding associates for accomplishments.
• Building and maintaining working relationships with individuals at Canon USA, CBS, Dealers, Customers and within CFS.
• Responsibilities also include managing conflict and building trust throughout all of Canon.
• Plans, organizes, delegates and executes projects in a timely manner.
• Action oriented and adaptable to changing conditions within CFS.
• Ability to make sound, factual based timely decisions.
• Strong Leasing and Financial Services knowledge and skills.
• Provide monthly performance snapshots, training and developmental plans for associates.
• Enhance existing relationships through extraordinary service to dealers/customers.
• Attend Trade Shows, Sales Meetings or Open Houses as required by Senior Management.
• Dealer and Customer visits when appropriate.
• Accurately identifies material credit and documentation strengths and concerns.
• Demonstrates superior financial statement analysis skills.  Reviews and analyzes balance sheets, income statements, and cash flow statements and uses financial statement data to make sound credit decisions.
• Ensure that the Line of Credit Report is completed monthly and update or recommend extensions, increases or line removals.
• Prepare analysis on Credit Review and present to Senior Management.
• Serves as a mentor to Risk Analysts, Originations Representatives, and Documentation Supervisors.
• Able to diagnose problems in rapport and how to document, research and follow up on any issues that arise. 
• Provide Credit Analysis, and Relationship Management training to new associates.
• Assist Senior Manager with Department projects and complete special projects as assigned.
• Draft new Business Rules and regularly update exist Business Rules to document Department policies, procedures, exceptions and authorities.
• Working with IT to develop system automation for credit process and service process.
• Work with Dealers to improve the credit and relationship process.
• Assist in keeping all training material current to ensure proper training.
• Able to comprehend and approve non standard documentation term and condition modifications.

Role Criteria:

• Knowledge and Skill.
• Problem Solving/Innovation.
• Scope of Responsibility/ Freedom to Act.
• Impact/Decision Making.
• Interaction.

Results Expected:

• Participate in achieving monthly strategic processing measures as defined or modified.
• Achieve Team Turnaround Goals: 90% within 2 hours $50M.
• Achieve acceptable Team Approval Ratios per management.
• Approve 40% of new customers to CFS a line of credit.
• Achieve acceptable Team Line of Credit goals for new customers.
• CFS Portfolio Delinquency 1.20% annualized.
• CFS Portfolio Charge off .65% annualized.
• Achieve acceptable turnaround time on appeal processing.

Key Skills:

• Requires a bachelor's degree in a related area or equivalent work experience.
• Team player with a high energy, positive outlook and professional demeanor who takes initiative.
• Ability to multi-task and manage expectations.
• Ability to manage a diverse cross functional team.
• Proficient in Microsoft Word and Excel.
• Superior knowledge of Credit concepts.
• Strong analytical skills.
• Strong communication skills and presentation skills – both written and verbal.
• Strong math aptitude.
• Ability to multi task.
• Extraordinary Customer Service skills.
• Cultural Sensitivity.

Contact: Katie Kokolus kkokolus@cfs.canon.com

Telephone: 856.206.1112  Fax: 856.505.5112