The **Credit Risk Analyst** is responsible for evaluating client creditworthiness by analyzing financial data, identifying risk indicators, and applying internal scoring methodologies to support sound credit decisions. This includes assigning credit limits, categorizing risk levels, and preparing detailed credit reports to inform business actions. In addition to risk assessment, the role supports accounting and period-end closing processes, ensuring accuracy, timeliness, and compliance with internal controls. The analyst reviews account balances and reconciliations, recommends procedural improvements, and collaborates with cross-functional teams to enhance efficiency and compliance. The role also involves preparing financial reports and presentations, engaging stakeholders to communicate findings, and contributing to informed decision-making across the organization. This successful candidate **will currently have** the ability to promptly interpret and assess financial statements to make sound business decisions for various internal stakeholders. The ideal candidate **will have** experience with business-to-business credit risk analysis. **Your role:** + Executes accounting and credit risk processes, including period-end closings and internal controls, ensuring accuracy, timeliness, and compliance. Also, tracks performance, identifies process improvement opportunities, and supports lean initiatives to enhance operational efficiency and master data quality. + Reviews account balances and reconciliations to validate financial positions and credit exposures, applying corrective actions and recommending policy updates. Evaluates customer creditworthiness using scoring methodologies and financial analysis, assigns credit limits and risk categories, and manages instruments such as credit insurance, letters of credit, and guarantees to mitigate risk. + Analyzes financial and credit data to identify trends, discrepancies, and risk indicators; prepares clear, actionable reports and presentations for management and credit risk committees. Collaborates across teams and with external stakeholders, facilitates release of blocked orders, and drives improvements in communication, compliance, and customer engagement. **You're the right fit if:** + You’ve acquired 2+ years’ experience as a credit risk analyst for business-to-business + Your skills include expertise in continuous improvement, due diligence, and financial planning and analysis (FP&A), with strong capabilities in accounting, risk assessments, and cash flow management, supported by proficiency in data analysis, and reporting. Strong excel skills (i.e., v-lookup, x-lookup, etc.), is a must. + You have a Bachelor's Degree (preferred) in Accounting, Finance, Business Administration OR Vocational Education or equivalent. + You must be able to successfully perform the following minimum Physical, Cognitive and Environmental job requirements with or without accommodation for this position. + You’re a strong communicator (persuasive and assertive), proactive in problem solving and coordinating competing priorities. Your financial acumen is complemented by your ability to interpret and analyze complex data, ensure compliance, and drive decision-making. **How we work together** We believe that we are better together than apart. For our office-based teams, this means working in-person at least 3 days per week. Onsite roles require full-time presence in the company’s facilities. Field roles are most effectively done outside of the company’s main facilities, generally at the customers’ or suppliers’ locations. This is an office role. **About Philips** We are a health technology company. We built our entire company around the belief that every human matters, and we won't stop until everybody everywhere has access to the quality healthcare that we all deserve. Do the work of your life to help improve the lives of others. + Learn more about our business. + Discover our rich and exciting history. + Learn more about our purpose. + Learn more about our culture. **Philips Transparency Details** The pay range for this position in Nashville, TN is $61,000 to $97,000. The actual base pay offered may vary within the posted ranges depending on multiple factors including job-related knowledge/skills, experience, business needs, geographical location, and internal equity.   In addition, other compensation, such as an annual incentive bonus, sales commission or long-term incentives, may be offered. Employees are eligible to participate in our comprehensive Philips Total Rewards benefits program, which includes a generous PTO, 401k (up to 7% match), HSA (with company contribution), stock purchase plan, education reimbursement and much more. Details about our benefits can be found here. At Philips, it is not typical for an individual to be hired at or near the top end of the range for their role and compensation decisions are dependent upon the facts and circumstances of each case. **Additional Information** US work authorization is a precondition of employment. The company **will not** consider candidates who require sponsorship for a work-authorized visa, now or in the future. Company relocation benefits **will not** be provided for this position. For this position, you must reside in **or** within commuting distance to **Nashville, TN.** It is the policy of Philips to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, ethnicity, religion, gender, pregnancy/childbirth, age, national origin, sexual orientation, gender identity or expression, disability or perceived disability, genetic information, citizenship, veteran or military status or a person’s relationship or association with a protected veteran, including spouses and other family members, marital or domestic partner status, or any other category protected by federal, state and/or local laws. As an equal opportunity employer, Philips is committed to a diverse workforce. In order to ensure reasonable accommodation for individuals protected by Section 503 of the Rehabilitation Act of 1973, the Vietnam Veterans' Readjustment Act of 1974, and Title I of the Americans with Disabilities Act of 1990, applicants that require accommodation in the job application process may contact 888-367-7223, option 5, for assistance. Equal Employment and Opportunity Employer/Disabled/Veteran