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Sr. Credit Analyst


North Bergen, NJ, US

Explore the possibilities across our global house of brands.

Defined by inclusivity rather than exclusivity, Tapestry embraces the exploration of individuality and invests in helping you grow personally and professionally. Every individual in our global house has the opportunity to make an impact, learn and be part of our growing and unique story.

At Tapestry, we have the freedom to express ourselves and run with our best ideas across Coach, Kate Spade New York, and Stuart Weitzman. We share a profound belief in both our individual and collective potential, and know that with hard work and dedication, anything is possible.

Job Title: Senior Credit Analyst


Primary Purpose: To evaluate the credit worthiness and assess the risks associated with granting credit terms to our customers (department stores, specialty stores, wholesalers, distributors, etc.) and vendors by obtaining financial statements, bank and trade references, and credit agency reports in order to minimize the risk of bad debt due to write-offs.


The successful individual will leverage their proficiency in Credit Analysis to...

  • Effectively manage multi-million dollar portfolio of domestic and international accounts. Portfolio consists of approximately 1,000+ major and specialty accounts on a combined basis
  • Determine credit worthiness through the analysis of cash flow, working capital, and net worth reconciliation
  • Assign/recommend and maintain credit lines on both major and specialty accounts with timely follow up for annual and interim financial information, as well as bank and trade references
  • Support the Credit Manager in all credit process related matters
  • Contact and develop customer relationships
  • Prepare formal write-ups on problematic accounts and exposures over assigned level of authority
  • Keep management and sales informed of any significant problematic situations
  • Effectively negotiate and manage special arrangements (standby letters of credit or prepayment) on marginal/problematic accounts to maximize sales volume and mitigating risk
  • Review and consistently update the hold report to ensure orders are released in an expeditious manner
  • Apply knowledge of international trade, commercial and bankruptcy laws in certain situations
  • Ensure credit and collection problems are handled promptly to minimize losses resulting from bad debt, and inability to ship
  • Potential travel depending on business needs


The accomplished individual will possess...

  • Strong financial statement analysis and the ability to submit formal written account analysis and recommendations
  • Solid aptitude for math and accounting procedures
  • Intermediate Microsoft Office (Excel, Word, etc.) skill set
  • Utilization of multiple internal systems and software packages (SAP, JDE, Microsoft Excel and Word)
  •  Familiarity with standard sources of credit information and rating agencies


An outstanding professional will have...

  • Degree in related field and/or 4-5 years of credit experience required
  • Strong understanding of financial statements and how to read, analyze, and interpret them. (A sample written account analysis and recommendation will be requested.)
  • The ability to work effectively in a fast-paced environment; detail orientated and self-motivated
  • Strong organizational skills and excellent written and verbal communication skills
  • Good interpersonal skills and team oriented
  • SAP experience is a plus

Our Competencies for All Employees


  • Drive for Results: Can be counted on to exceed goals successfully; is constantly and consistently one of the top performers; very bottom-line oriented; steadfastly pushes self and others for results.
  • Customer Focus: Is dedicated to meeting the expectations and requirements of internal and external customers; gets first-hand customer information and uses it for improvements in products and services; acts with customers in mind; establishes and maintains effective relationships with customers and gains their trust and respect.
  • Creativity: Comes up with a lot of new and unique ideas; easily makes connections among previously unrelated notions; tends to be seen as original and value-added in brainstorming settings.
  • Interpersonal Savvy: Relates well to all kinds of people, up, down, and sideways, inside and outside the organization; builds appropriate rapport; builds constructive and effective relationships; uses diplomacy and tact; can diffuse even high-tension situations comfortably.
  • Learning on the Fly: Learns quickly when facing new problems; a relentless and versatile learner; open to change; analyzes both successes and failures for clues to improvement; experiments and will try anything to find solutions; enjoys the challenge of unfamiliar tasks; quickly grasps the essence and the underlying structure of anything.
  • Perseverance: Pursues everything with energy, drive, and a need to finish; seldom gives up before finishing, especially in the face of resistance or setbacks.
  • Dealing with Ambiguity: Can effectively cope with change; can shift gears comfortably; can decide and act without having the total picture; isn’t upset when things are up in the air; doesn’t have to finish things before moving on; can comfortably handle risk and uncertainty.


Tapestry, Inc. is an equal opportunity and affirmative action employer and we pride ourselves on hiring and developing the best people. All employment decisions (including recruitment, hiring, promotion, compensation, transfer, training, discipline and termination) are based on the applicant’s or employee’s qualifications as they relate to the requirements of the position under consideration. These decisions are made without regard to age, sex, sexual orientation, gender identity, genetic characteristics, race, color, creed, religion, ethnicity, national origin, alienage, citizenship, disability, marital status, military status, pregnancy, or any other legally-recognized protected basis prohibited by applicable law. Visit Tapestry, Inc. at #LI-MS1

Req ID:  75739

Nearest Major Market: New York City
Nearest Secondary Market: Newark

Job Segment: Outside Sales, Sales