Sr. Risk Analyst Company Overview: Join the dynamic team at Transport Enterprise Leasing, LLC (TEL), a thriving company with two decades of success. We are faith-based and believe in the golden rule of treating others the same way we want to be treated. Our headquarters are nestled in the scenic Lookout Valley area of Chattanooga, TN, and we also operate an equipment reconditioning center in Greenfield, IN. As a finance company, TEL is dedicated to supporting hardworking transportation professionals, providing a range of services for both fleet owners and owner-operators. Our commitment to world-class customer service sets us apart. Explore our journey and services at www.tel360.com. Partner with TEL for a rewarding career in a rapidly growing industry! Position Purpose: The Sr. Risk Analyst is responsible for leading complex risk mitigation strategies, performing in-depth analysis, and overseeing risk administration. This role generates reports, manage data, and ensure compliance to TEL policies relating to insurance, portfolio concentrations, past due accounts, lease contracts, and payment histories. Additionally, the Sr Risk Analyst manages third party vendors and contract enforcement for the Company’s Owner Operator portfolio, including direct collection activity and collaboration with third party law firms and collection agencies. Position Responsibilities: Continuously learn, share, and implement improvements in all processes and responsibilities as needed to enhance the effectiveness of providing world-class service and support. Independently review and analyze intricate customer risk characteristics, including credit risk profiles and insurance risk management. This includes evaluating insurance providers, coverage levels, endorsements, and other critical factors. Review and qualify insurance carriers, policy coverage, and deductible amounts for adequacy and compliance with lease contracts across the business portfolio. Prepare, interpret, and present complex reports and data related to insurance, portfolio concentrations, past-due accounts, lease contracts, and payment histories for senior management. Manage contract enforcement for the Company’s Owner Operator portfolio, including direct collection activities and strategic coordination with third-party law firms and collection agencies. Alongside the VP of Credit, exercise significant discretion in collaborating with cross-functional teams, such as Finance, Legal, and Operations, to ensure alignment on risk-related matters and to contribute to intradepartmental projects, communication, and workflow optimization. Oversee and manage the Company’s Physical Damage Waiver product, ensuring compliance with risk policies, evaluating product performance, approving and overseeing PDW claims, and mitigating associated risks. Continuously develop and refine risk mitigation policies, providing expert guidance to the Vice President of Credit & Collections on improving processes and mitigating exposure. Complete other assignments as may be assigned from time to time by the Vice President – Credit & Collections and will work with other TEL departments to assist with intradepartmental risk management projects, communication, and workflow. Knowledge Skills, and Abilities: Ability to apply advanced knowledge and independent judgment in developing and maintaining key processes and policies related to risk management. Knowledge of accounting principles and ability to use core management information systems (ex: KARMAK) MS Excel experience required working with data sets, pivot tables, vlookup tools, and other functions Detail oriented and organized individual who streamlines process and workflow Knowledge of lease and loan portfolio management, including risk factors related to customer payment behavior and insurance coverage. Expertise in managing insurance-related risks, including coverage levels, endorsements, and claims management. Knowledge of physical damage waiver products and how they interact with insurance policies and risk mitigation strategies. Ability to deal tactfully and effectively with customers as well as co-workers in multiple departments Education and Experience: Bachelor’s degree, or comparable combination of education and experience required. Minimum of five years job experience required. Wage: 70k to 90k Benefits: 100% employer paid medical and dental (single and family coverage) premiums through BlueCross BlueShield of TN. HSA with $800 annual employer contribution Voluntary Life, Short- and Long-Term Disability 8-week paid family leave Paid time off 11 Holidays (including birthday and floating holiday) Paid day off on Veterans Day for Veterans 401(k) with up to 4% employer match Profit Sharing (some exclusions apply) Retirement Pay Program Years of Service Cash Incentive Smart Dollar financial wellness program EEO Transport Enterprise Leasing is an equal opportunity employer. We are committed to creating a diverse and inclusive workplace where all employees feel valued and respected. We do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other characteristic protected by applicable law. All employment decisions are based on qualifications, merit, and business needs. We also proudly support and encourage applications from veterans.