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Financial Analyst
| Company | Apple |
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| Location | Cupertino, CA, USA |
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| Salary | $107300 – $161300 |
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| Type | Full-Time |
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| Degrees | Master’s |
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| Experience Level | Mid Level |
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Requirements
- Master’s degree or foreign equivalent in Finance or related field and 3 years of experience in the job offered or related occupation.
- 3 years of experience with each of the following skills is required:
- Experience in commercial banking underwriting and portfolio management
- Due diligence, deal structuring, financial modeling, sensitivity analysis, credit underwriting, and documentation negotiation
- Direct credit experience in underwriting and management of pre-profit, mid and late-stage technology companies and large global enterprises
- Evaluating loans with complex structures, including asset-based, junior lien and venture debt
- Experience using commercial lending software and credit research tools, including Moody’s, D&B, and S&P’s Capital IQ
- Leading internal and external credit-related communications, providing succinct credit analysis and recommendations to internal stakeholders, and collaborating and negotiating with customers’ finance leaders
- Conducting portfolio management, including financial spreading, forecasting, and modeling
- Leading collateral management, negotiation, and documentation for the portfolio.
Responsibilities
- Utilize ACS (Apple Credit Scoring) model to input financials and the models created to generate a rating to further evaluate eligibility.
- Utilize internal systems such as GMACC, SAP, Tableau to ensure source data records are accurate and prepare reporting.
- Assess credit limit requirements and recommend new credit limits or changes in limits that are appropriate for customers’ risk profile, utilizing specific techniques adopted from corporate banking credit evaluation training.
- Lead relationship on a select number of credit-challenged accounts in the U.S. and Canada portfolio.
- Utilize proprietary Apple tools to analyze financials and assess credit worthiness of corporate customers, with specific focus on the telecommunications, distribution and electronic retail sectors.
- Liaise with several internal teams and functional partners including Sales, O2C, GBS, and legal to continuously be aligned with business strategy.
- Implement best practices across regional and WW credit teams, and drive improvement in execution projects.
Preferred Qualifications
No preferred qualifications provided.
