Credit Advisor

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.

Job Summary

The Credit Advisor is responsible for evaluating, structuring, and monitoring commercial credit exposure across a complex B2B portfolio. This role focuses on underwriting discipline, contract evaluation, portfolio analytics, and cross-functional risk alignment (not collections execution). This role partners closely with Sales, Finance, Legal, Contracting, and Operations to ensure credit decisions align with risk appetite, compliance standards, and working capital objectives.

Responsibilities

• Commercial Credit Underwriting

• Perform in-depth financial statement analysis (GAAP and tax basis)

• Evaluate liquidity, leverage, profitability, and cash flow adequacy

• Assess debt capacity, covenant sensitivity, and stress scenarios

• Assign internal risk ratings and recommend credit limits

• Conduct periodic portfolio reviews and risk migration analysis

• Contract & Compliance Evaluation

• Review customer agreements and contract terms for credit risk implications

• Assess payment terms, pricing structure, rebate exposure, and compliance risk

• Ensure alignment with internal risk policy and SOX control requirements

• Partner with Legal and Contracting on risk-sensitive structures

• Portfolio Risk & Order-to-Cash Integration

• Monitor exposure across business units

• Analyze aging trends, DSO impact, and working capital risk

• Evaluate cross-segment exposure visibility

• Support structured credit decision documentation

• Provide portfolio-level reporting and executive-ready summaries

• Cross-Functional Collaboration

• Partner with Sales leadership to structure appropriate credit solutions

• Work closely with Finance, Treasury, and Operations on exposure monitoring

• Participate in customer-level risk discussions and strategic planning

• Support continuous improvement in credit governance processes

Qualifications

• Bachelor's degree in related field, or equivalent work experience, preferred

• 4-6 years of commercial underwriting experience within banking, manufacturing, or B2B distribution industry, preferred

• Strong understanding of financial statement analysis, credit structuring and risk rating methodology

• Familiarity with Order-to-Cash workflows and portfolio analytics, preferred

• Experience with MS Excel

• Strong executive communication skills

• Experience supporting compliance and contract risk evaluation, preferred

• SAP experience, strongly preferred

• Exposure to healthcare or regulated industries, preferred

• Experience working within multi-entity or multi-business-unit structures, preferred

• Portfolio stress testing and exposure aggregation analysis, preferred

• Experience working cross-functionally across Finance, Legal, and Sales, preferred

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: 04/24/2026 *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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