Credit Advisor

Candidate will need to be able to work a hybrid schedule - coming into the Dublin, OH office 2-3 days a week and working the other days remote.

What Credit contributes to Cardinal Health
Finance oversees the accounting, tax, financial plans and policies of the organization, establishes and maintains fiscal controls, prepares and interprets financial reports, oversees financial systems and safeguards the organization's assets.
Credit is responsible for managing Cardinal Health's trade and note receivables including performing credit underwriting, establishing bad debt reserves, managing customer relationships, collaborating with the sales and collections teams, managing credit risk for the company, and administering credit policies and standards.

Responsibilities

• Provide Credit risk analysis review and executive summary of new and existing complex customers, emphasis on understanding entity structure and ownership, financial statement analysis and risk identification, mitigate customer risk.  Analysis will encapsulate all aggregate business exposure within Cardinal. 
• Credit risk analysis and portfolio monitoring within wide range of customer class of trade and industry. Customers include but not limited to retail pharmacies, community health centers, retail chain, mail order, managed care, hospitals, specialty pharma, and medical distributors.
• Make trade credit decisions for new and existing customers, both secured and unsecured.
• Collaborate with Collection teams regarding risk mitigation, support around AP and finance contacts, and monitoring of aggregate trade exposure levels versus approvals.   
• Communications and collaboration with sales organization to support new and existing customer base. Relationship building with external customer-finance contacts.
• Communicates directly with internal and external counsel, customers and third-party entities to appropriately understand and structure contracts to mitigate credit risk.
• Gathers and synthesizes information from a variety of sources (i.e. financial statements, reports), makes effective credit decisions, and documents decisions appropriately.
• Organizes workload effectively, proactively works with customers to ensure commitments are met, and raises issues and recommendations to management.
• Demonstrates knowledge and understanding of financial concepts which includes establishing appropriate bad debt reserves.
• Diplomatically resolve conflict and maintain positive customer relationships.
• Possesses and exhibits strong business acumen of credit underwriting.

Qualifications

• Bachelor's degree in related field, or equivalent work experience, preferred
• 3-8 years of experience in credit related field, preferred
• Experience with MS Excel
• Commercial or trade credit underwriting experience
• Experience providing credit risk analysis and financial statement analysis
• Knowledge of credit and/or collection practices which can include debt repayment, dispute resolution, risk mitigation, etc.
• Possesses and exhibits strong business acumen of credit underwriting
• Ability to communicate directly with internal and external counsel, customers and third-party entities
• Strong interpersonal, verbal and written communication skills. Able to communicate effectively and interact with personnel at all levels of technical ability and expertise
• Ability to learn and effectively navigate a variety of financial systems

Location

• Hybrid role
• Ideal candidate will need to be able to work a hybrid schedule - coming into the Dublin, OH office 2-3 days a week and working the other days remote.

What is expected of you and others at this level

• Applies comprehensive knowledge and a thorough understanding of concepts, principles, and technical capabilities to perform varied tasks and projects
• May contribute to the development of policies and procedures
• Works on complex projects of large scope
• Develops technical solutions to a wide range of difficult problems
• Solutions are innovative and consistent with organization objectives
• Completes work; independently receives general guidance on new projects
• Work reviewed for purpose of meeting objectives
• May act as a mentor to less experienced colleagues

Anticipated salary range: $67,500-$96,300

Bonus eligible: No

Benefits: Cardinal Health offers a wide variety of benefits and programs to support health and well-being.

• Medical, dental and vision coverage
• Paid time off plan
• Health savings account (HSA)
• 401k savings plan
• Access to wages before pay day with myFlexPay
• Flexible spending accounts (FSAs)
• Short- and long-term disability coverage
• Work-Life resources
• Paid parental leave
• Healthy lifestyle programs

Application window anticipated to close: 12/21/2025 *if interested in opportunity, please submit application as soon as possible.

The salary range listed is an estimate. Pay at Cardinal Health is determined by multiple factors including, but not limited to, a candidate’s geographical location, relevant education, experience and skills and an evaluation of internal pay equity.

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Candidates who are back-to-work, people with disabilities, without a college degree, and Veterans are encouraged to apply.

Cardinal Health supports an inclusive workplace that values diversity of thought, experience and background. We celebrate the power of our differences to create better solutions for our customers by ensuring employees can be their authentic selves each day. Cardinal Health is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, ancestry, age, physical or mental disability, sex, sexual orientation, gender identity/expression, pregnancy, veteran status, marital status, creed, status with regard to public assistance, genetic status or any other status protected by federal, state or local law.

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