Credit Analyst

Santa Clara Valley (Cupertino), California, United States
Corporate Functions


Weekly Hours: 40
Role Number:200126296
Imagine what you could do here. At Apple, new ideas have a way of becoming great products, services, and customer experiences very quickly. Bring passion and dedication to your job and there's no telling what you could accomplish. Do you love thinking analytically? Are you passionate about using your financial knowledge to navigate complex challenges? Just as our customers find value in Apple products, the Finance group finds value for both Apple and its shareholders. As part of this group, you’ll play an integral role in ensuring our day-to-day financial health. You and your team will support Apple’s growth, both top and bottom line, by applying the same level of innovation toward financial matters as we do toward our products and services. You’ll also collaborate with Apple teams across the world to develop more effective investment strategies and risk management. Finance is essential to upholding our global commitment to perfection, and it is directly responsible for shaping the company’s future. Join us, and you’ll have a meaningful role in continuing Apple’s legacy of efficiency and success. Based in Cupertino, this is an opportunity for a highly analytic credit specialist to help cover our Americas portfolio. This position is an integral part of the Americas credit team’s efforts to ensure robust and commercially sound credit decisions are taken to support our sales teams’ efforts to grow business with our U.S. and Canadian customers.

Key Qualifications

  • 3-5 years of credit and risk analysis required, preferably in a bank or other finance institution focused on credit-related investment analysis
  • Dynamic commercial credit and risk assessment experience
  • Extraordinary skills in financial statement analysis and evaluation of credit dynamics is required
  • Strong communication skills with ability to provide succinct and articulate credit analysis and recommendations – within Apple, as well as with customers’ finance leaders
  • Negotiation experience with risk mitigation instruments and documentation
  • Strong social and organizational skills with participation in cross-functional teams to improve processes
  • Experience analyzing telecommunications, distribution and retail industry segments, a strong plus
  • Trade credit assessment / collections experience a plus
  • Distressed / workout experience a plus
  • SAP systems experience a plus


Position will directly lead a select number of accounts in the U.S. and Canada portfolio Analyze financials and assess credit worthiness of corporate customers, with specific focus on the telecommunications, distribution and electronic retail sectors Due diligence including customer interaction, credit screening of potential new customers and monitoring of existing customers Assessing credit limit requirements and recommending new credit limits or changes in limits that are appropriate for customers’ risk profile Prepare quarterly portfolio and customer level credit reviews Build positive relationship with work partners in Sales Finance, Sales, Operations, Global Business Solutions Potential to also lead credit workflow of the group, depending upon level of experience Formal bank credit training a plus

Education & Experience

Bachelor degree required; preference in business with concentrations in accounting, finance and economics MBA, CPA or CFA a plus

Additional Requirements