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About This Role The Senior Credit Analyst supports US based retail partners by performing advanced financial statement analysis, underwriting credit and loan applications, and managing collections for a multi million dollar domestic account portfolio. This role plays a critical part in identifying and mitigating credit risk to protect the Cooperative from loss, while partnering closely with Sales, Operations, and Legal teams across the United States. This role follows a hybrid work schedule and requires 4 days per week on site at our Oak Brook, IL office location. Candidates must be able to reliably commute and participate in in person collaboration and meetings. What You'll Do Analyze and decision US based Member Applications within assigned credit authority and territory Underwrite Retailer Loan Applications in accordance with company credit policy and applicable US credit regulations Establish and manage credit limits based on risk profile, financial performance, and payment history Review and disposition blocked retailer orders consistent with risk guidelines Develop payment plans and resolve past due balances in partnership with retailers and internal teams Manage an assigned portfolio of domestic retailer accounts Required Skills & Experience 4+ years of hands on credit analysis experience supporting a US based business Demonstrated ability to analyze US GAAP financial statements, including balance sheets, income statements, and cash flow statements Experience managing a portfolio of accounts, including credit limits, order release, and collections support Strong written and verbal communication skills with internal and external stakeholders Proficiency with SAP or comparable ERP systems, Excel, and financial reporting tools Ability to work on site, in Oak Brook, IL 4 days per week during standard US business hours Preferred Qualifications Bachelor's degree in Finance, Accounting, Economics, or a related field Familiarity with US business, credit, and contract law Experience within a retail, wholesale, or distribution credit environment Compensation Details: $76300 - $95500 per year Why should you join our team? We live our values - W.E.L.I.G.H.T (Winning, Excellence, Love, Integrity, Gratitude, Humility, and Teamwork). Gratitude. Humility. Love. You don't often see values like these in most corporate statements, but Ace is different. These things are important to us. They represent our commitment to the company, our employees, to Ace retailers and to the Ace brand. In addition to providing our employees a great culture, Ace also offers competitive benefits that address life's necessities and perks, many of which expand and improve year after year, including: Incentive opportunities, based on role/grade level (company growth over the past 5 years resulted in incentives being paid out at an average of 122% of your target opportunity!) Generous 401(k) retirement savings plan with a fully vested matching contribution the first year in addition to quarterly contributions and annual discretionary contribution (once eligibility requirements have been met). Over the past 5 years, company contributions (matching, quarterly & discretionary) for fully eligible employees have averaged 10% of total eligible compensation Comprehensive health coverage (medical, dental, vision and disability - up to 26 weeks short-term disability and long-term disability) & life insurance benefits for you and your dependents 21 days of vacation immediately available (prorated in the first year) and up to 6 paid holidays depending on the month of hire Company Car, phone and fuel card are provided for field-based positions Your career at Ace is more than just a job. It's a chance to be part of something meaningful. We help locally-owned businesses thrive and make an impact in their communities - and we support our employees in doing the same by offering an annual Ace Cares Week, 20 hours off work per year to volunteer at an organization of your choice, opportunities to help Children's Miracle Network Hospitals and the Ace Helpful Fund through the Ace Foundation Ace invests in every employee we hire, with a key focus on development and coaching. We offer on-site classes, facilitator-led courses, and a generous tuition assistance program, plus a performance management approach that goes beyond the typical annual review We know the work environment matters. That's why Ace holds frequent campus events like Employee Appreciation Week, vendor demos, cookouts, and merchandise sales We bring them to you! Services such as mobile spas, auto maintenance, car wash and detailing, dry cleaning, dentists, eye doctors, flu shots, recycling and more! Employee discounts on Ace merchandise (including top brands like Weber, Traeger, Yeti, Craftsman, DeWalt and more), travel, fitness, computers and thousands more Birth/Adoption bonding paid time off Adoption cost reimbursement Employee Assistance Program (EAP) - access to free visits to therapists and lawyers, guidance on financial matters, elder and childcare, and assistance with tickets to entertainment events Identity theft protection Benefits are provided in compliance with applicable policies. Want to be notified when new jobs are posted? Follow the link below to create an account and set up custom job alerts: Create Job Alert We want to hear from you! When most people think of career opportunities with Ace Hardware, they often think of the helpful cashiers and sales associates at their local store. However, have you also considered the people behind the scenes who select, promote, ship and process the invoices for more than 75,000 products? Maybe you haven't, but we'd like you to. Because together we help our customers take care of their homes. Come find out why a career with the Ace Hardware Corporation is one of America's best kept secrets. Equal Opportunity Employer Ace Hardware Corporation is committed to a policy of promoting equal employment opportunities. The company recognizes the importance of diversity and leveraging the skills and talents of all people to the mutual advantage of each individual and the organization. The company is committed to the prevention of employment discrimination related to race, religion, color, sex (including sexual harassment), gender identity, national origin, age, marital status, disability and military or veteran status, sexual orientation or any other action covered by federal or applicable state/local laws. Disclaimer The pay range for this position starts as listed in the job posting, but could be higher based on education and experience. Please note, compensation decisions are dependent on the facts and circumstances of each opening. We take into consideration the minimum requirements outlined in the job description, such as an individual's education, training and experience, the position's work location, required travel (if any), and external market conditions when determining the final salary for potential new hires. Be aware that salary estimates published via alternate online job boards may not be a true representation of the actual pay range offered for this position. Please refer to the Ace position description for the accurate starting pay range information and feel free to discuss this with a Talent Acquisition professional if you are chosen to move forward with an interview. This written "Position Description" is not intended to cover all aspects of the position listed. It is meant to cover the basic/general essential job functions of a particular position. Ace Hardware Corporation reserves the right to change job duties, including essential job functions, according to business necessity. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

About This Role The primary purpose of the Internal Auditor role is to assist Ace management to evaluate and improve the effectiveness of our organization's risk management, control, and governance processes. The primary focus of this role will be to perform timely, quality financial and operational audits for all corporate (domestic and international) departments, manufacturing facilities, distribution centers, subsidiaries, and service lines of business. What You'll Do Assist with completion of assigned audit engagements following a standard audit methodology under minimal supervision from Audit Management. Demonstrate the ability to compose and confidently deliver effective oral and written communications (e.g., audit reports) aimed at all levels within the Ace organization. Utilize various in-house computer applications (e.g., Microsoft Office, SAP, etc.) to successfully complete assigned audit engagements. Demonstrate the ability to work independently in a deadline-focused, fast-paced environment, while providing timely project status updates to Manager. Demonstrate the ability to develop and enhance positive relationships with our audit clients by gaining a better understanding of overall business risks, issues, and concerns (both across the company and within their particular line of business). Who You Are As Ace Hardware Audit Services' Internal Auditor, you are a people-person who continually demonstrates the ability to evaluate, identify, and suggest ways to minimize potential risk across the Company. You love to verify the existence, reliability, integrity, and sustainability of existing controls, analyze related data to ensure our assets are secure, and identify control gaps. In addition, you love to collaborate effectively with peers, business partners, and Audit Management by sharing valuable knowledge and continually building positive relationships. Required Skills Bachelor's Degree with focus in Accounting, Finance, or Business. 1-3 years' experience in Internal Audit, Accounting, Finance, or Business. Excellent written and oral communication and presentation skills. Experience with basic technological applications (i.e., Microsoft Office). Ability to establish effective internal & external working relationships. Ability to work independently in a deadline-focused, fast-paced environment, while providing timely project status updates to Manager. Preferred Skills Previous experience in documenting and evaluating operational and financial controls with industry knowledge (e.g., distribution or manufacturing). Proven experience developing full, risk-based Audit Reports (encompassing root cause analysis related to issue development). Excellent project management skills. Previous experience developing, documenting, and identifying controls within an ERP system (e.g., SAP). Experience effectively utilizing data analytics. Additional certification (e.g., CPA, CIA, CFE, CISA, etc.) and/or advanced degree (e.g., MBA). Compensation Details: $66000 - $82600 per year Why should you join our team? We live our values - W.E.L.I.G.H.T (Winning, Excellence, Love, Integrity, Gratitude, Humility, and Teamwork). Gratitude. Humility. Love. You don't often see values like these in most corporate statements, but Ace is different. These things are important to us. They represent our commitment to the company, our employees, to Ace retailers and to the Ace brand. In addition to providing our employees a great culture, Ace also offers competitive benefits that address life's necessities and perks, many of which expand and improve year after year, including: Incentive opportunities, based on role/grade level (company growth over the past 5 years resulted in incentives being paid out at an average of 122% of your target opportunity!) Generous 401(k) retirement savings plan with a fully vested matching contribution the first year in addition to quarterly contributions and annual discretionary contribution (once eligibility requirements have been met). Over the past 5 years, company contributions (matching, quarterly & discretionary) for fully eligible employees have averaged 10% of total eligible compensation Comprehensive health coverage (medical, dental, vision and disability - up to 26 weeks short-term disability and long-term disability) & life insurance benefits for you and your dependents 21 days of vacation immediately available (prorated in the first year) and up to 6 paid holidays depending on the month of hire Company Car, phone and fuel card are provided for field-based positions Your career at Ace is more than just a job. It's a chance to be part of something meaningful. We help locally-owned businesses thrive and make an impact in their communities - and we support our employees in doing the same by offering an annual Ace Cares Week, 20 hours off work per year to volunteer at an organization of your choice, opportunities to help Children's Miracle Network Hospitals and the Ace Helpful Fund through the Ace Foundation Ace invests in every employee we hire, with a key focus on development and coaching. We offer on-site classes, facilitator-led courses, and a generous tuition assistance program, plus a performance management approach that goes beyond the typical annual review We know the work environment matters. That's why Ace holds frequent campus events like Employee Appreciation Week, vendor demos, cookouts, and merchandise sales We bring them to you! Services such as mobile spas, auto maintenance, car wash and detailing, dry cleaning, dentists, eye doctors, flu shots, recycling and more! Employee discounts on Ace merchandise (including top brands like Weber, Traeger, Yeti, Craftsman, DeWalt and more), travel, fitness, computers and thousands more Birth/Adoption bonding paid time off Adoption cost reimbursement Employee Assistance Program (EAP) - access to free visits to therapists and lawyers, guidance on financial matters, elder and childcare, and assistance with tickets to entertainment events Identity theft protection Benefits are provided in compliance with applicable policies. Want to be notified when new jobs are posted? Follow the link below to create an account and set up custom job alerts: Create Job Alert We want to hear from you! When most people think of career opportunities with Ace Hardware, they often think of the helpful cashiers and sales associates at their local store. However, have you also considered the people behind the scenes who select, promote, ship and process the invoices for more than 75,000 products? Maybe you haven't, but we'd like you to. Because together we help our customers take care of their homes. Come find out why a career with the Ace Hardware Corporation is one of America's best kept secrets. Equal Opportunity Employer Ace Hardware Corporation is committed to a policy of promoting equal employment opportunities. The company recognizes the importance of diversity and leveraging the skills and talents of all people to the mutual advantage of each individual and the organization. The company is committed to the prevention of employment discrimination related to race, religion, color, sex (including sexual harassment), gender identity, national origin, age, marital status, disability and military or veteran status, sexual orientation or any other action covered by federal or applicable state/local laws. Disclaimer The pay range for this position starts as listed in the job posting, but could be higher based on education and experience. Please note, compensation decisions are dependent on the facts and circumstances of each opening. We take into consideration the minimum requirements outlined in the job description, such as an individual's education, training and experience, the position's work location, required travel (if any), and external market conditions when determining the final salary for potential new hires. Be aware that salary estimates published via alternate online job boards may not be a true representation of the actual pay range offered for this position. Please refer to the Ace position description for the accurate starting pay range information and feel free to discuss this with a Talent Acquisition professional if you are chosen to move forward with an interview. This written "Position Description" is not intended to cover all aspects of the position listed. It is meant to cover the basic/general essential job functions of a particular position. Ace Hardware Corporation reserves the right to change job duties, including essential job functions, according to business necessity. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

The Cost Engineering & Sourcing Strategy Analyst (internally known as Cost Engineering Analyst) evaluates cost, commodity and market data to identify and set cost out goals, then coordinates and partners with cross functional teams to develop and execute cost out strategies using Cost Engineering tools, including but not limited to competitive bidding, presentation and negotiations materials, analysis on CTQ, consumer review, survey, assortment, should-cost, competitive, and demand transfer data. What you'll do: Mine, combine and assess facts from 3rd party experts, publications, vendors and internal partners (Cat Management, Finance, Domestic Merchants, Import Merchants, Pricing) to identify and prioritize cost engineering opportunities Monitor changes in commodity markets, industry shifts (M&A), product innovations to evaluate changes in negotiation gaps / leverage Use input cost models and price opportunity reporting to identify off-cycle cost out opportunities Synthesize product, assortment, competitive and market research into actionable insights and opportunities for cost negotiations through the Cost Engineering process Review spend data to help prioritize areas of focus Research cost drivers across various industries, vendors and products Learn the key metrics, CTQ, features and drivers for different product categories Leverage consumer data/reviews, surveys, interviews and pilot programs to test assumptions and assess brand value Use demand transfer data and margin impact models to evaluate assortment updates impacts, quantify negotiation tradeoffs (carrots and sticks) and prioritize recommendations for merchants Identify inconsistencies in vendor pricing architecture to demonstrate the need for cost concessions Incorporate merchant expertise and context into analysis to account for nuance and real-world factors Serve as an independent, unbiased thought contributor capable of using data to make recommendations others may have overlooked and to influence cross-functional stakeholders Track project milestones and resolve roadblocks to ensure project timelines stay on track Coordinate and host recurring category team meetings to investigate opportunities, assess vendor bids and craft negotiation strategies Maintain a repository of facts, analysis, dashboards, charts and findings for respective projects Conduct negotiation training and mock negotiations Author materials for and participate in vendor negotiations using fact-based analysis Manage line review bid process using eRFx platform (program creation, coding scenarios, impact analysis, troubleshoot issues, coordinate vendor communications, track and report on progress) Employ analytics tools (eRFx, Alteryx, Power BI, Excel) to evaluate bid scenarios, calculate cost savings and profit margin impacts Efficiently run detailed financial analysis for scenario testing and cost out projections Provide recurring performance and execution updates Refine should-cost models and commodity insights, establish cost out goals, and identify margin growth prospects Accumulate expertise and insights on raw material markets and manufacturing processes Manage list of negotiation tactics in Merchandising Leverage Library Introduce and drive CE best practices; lead continuous improvement of analytic tools, methodologies, and visualization for the CE team Help refine and enhance cost reporting in Power BI Collaborate with Merchandising, Category Management, Finance and Pricing Advice on the differences in commodity prices and manufacturing processes Occasionally perform Ace and competitor product tear downs What you will need: Able to interpret complex, large volume and sometimes contradictory data to develop fact-backed insights and strategies Demonstrated analytic abilities with an emphasis on critical thinking, root cause analysis, and problem solving required Ability to collaborate effectively in a cross functional team setting to share insights, co-create outputs and iterate with speed Demonstrated self-starter and ability to semi-independently run analysis to drive to answers Clear, proactive and collaborative communicator Can tactfully address issues with internal and external business partners Demonstrates poise, composure, presence, communication skills and an understanding of key data drivers to establish rapport and respect with negotiation partners Experience developing creative solutions that provide win-win outcomes in difficult or ambiguous situations Skilled in coordinating timelines and project managing across multiple simultaneous projects Prior exposure to manufacturing, sourcing, product development desired Possess a positive attitude with a bias towards action Proficient in the use of Microsoft Office Suite Intermediate to advanced Excel skills with a passion for discovering answers and insights Preferably has previous experience using reporting tools such as Alteryx and Power BI Experience: Minimum of 3-5 years' prior work experience, ideally in some of the following fields: Manufacturing, engineering, commodity trading, sourcing, analytics, forecasting, merchandising, product design, category management, consulting, project management Prior experience with sourcing software (Coupa, Jaggaer, etc) a plus Education: Bachelor's degree or graduate degree preferred Applicable fields of study include but are not limited to: Business, economics, engineering, analytics, mathematics, data science, supply chain, purchasing, merchandising, manufacturing, product design Compensation Details: $88400.00 - $110700.00 per year Why should you join our team? We live our values - W.E.L.I.G.H.T (Winning, Excellence, Love, Integrity, Gratitude, Humility, and Teamwork). Gratitude. Humility. Love. You don't often see values like these in most corporate statements, but Ace is different. These things are important to us. They represent our commitment to the company, our employees, to Ace retailers and to the Ace brand. In addition to providing our employees a great culture, Ace also offers competitive benefits that address life's necessities and perks, many of which expand and improve year after year, including: Incentive opportunities, based on role/grade level (company growth over the past 5 years resulted in incentives being paid out at an average of 122% of your target opportunity!) Generous 401(k) retirement savings plan with a fully vested matching contribution the first year in addition to quarterly contributions and annual discretionary contribution (once eligibility requirements have been met). Over the past 5 years, company contributions (matching, quarterly & discretionary) for fully eligible employees have averaged 10% of total eligible compensation Comprehensive health coverage (medical, dental, vision and disability - up to 26 weeks short-term disability and long-term disability) & life insurance benefits for you and your dependents 21 days of vacation immediately available (prorated in the first year) and up to 6 paid holidays depending on the month of hire Company Car, phone and fuel card are provided for field-based positions Your career at Ace is more than just a job. It's a chance to be part of something meaningful. We help locally-owned businesses thrive and make an impact in their communities - and we support our employees in doing the same by offering an annual Ace Cares Week, 20 hours off work per year to volunteer at an organization of your choice, opportunities to help Children's Miracle Network Hospitals and the Ace Helpful Fund through the Ace Foundation Ace invests in every employee we hire, with a key focus on development and coaching. We offer on-site classes, facilitator-led courses, and a generous tuition assistance program, plus a performance management approach that goes beyond the typical annual review We know the work environment matters. That's why Ace holds frequent campus events like Employee Appreciation Week, vendor demos, cookouts, and merchandise sales We bring them to you! Services such as mobile spas, auto maintenance, car wash and detailing, dry cleaning, dentists, eye doctors, flu shots, recycling and more! Employee discounts on Ace merchandise (including top brands like Weber, Traeger, Yeti, Craftsman, DeWalt and more), travel, fitness, computers and thousands more Birth/Adoption bonding paid time off Adoption cost reimbursement Employee Assistance Program (EAP) - access to free visits to therapists and lawyers, guidance on financial matters, elder and childcare, and assistance with tickets to entertainment events Identity theft protection Benefits are provided in compliance with applicable policies. Want to be notified when new jobs are posted? Follow the link below to create an account and set up custom job alerts: Create Job Alert We want to hear from you! When most people think of career opportunities with Ace Hardware, they often think of the helpful cashiers and sales associates at their local store. However, have you also considered the people behind the scenes who select, promote, ship and process the invoices for more than 75,000 products? Maybe you haven't . click apply for full job details