Credit Advisor (Remote) at Cardinal Health

About the Role

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

Compensation and Benefits

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