Credit Analyst

About the Opportunity

Our client is seeking a detail-oriented and analytical Credit Analyst to join their finance team. This role is responsible for evaluating customer creditworthiness, managing credit risk, supporting collections activities, and helping maintain a healthy accounts receivable portfolio. The ideal candidate will bring a strong understanding of commercial credit practices, financial analysis, and customer relationship management while balancing business growth objectives with risk mitigation strategies.

This is an excellent opportunity for a finance professional who enjoys problem-solving, cross-functional collaboration, and making a direct impact on a company's financial performance.

Key Responsibilities

• Credit Analysis & Risk Management
• Review and analyze customer financial statements, trade references, bank references, and credit reports to determine creditworthiness.
• Establish, modify, or recommend customer credit limits and payment terms within approved authority levels.
• Evaluate and approve credit orders while ensuring compliance with company policies and risk management guidelines.
• Escalate credit requests exceeding approval authority with well-documented recommendations.
• Accounts Receivable & Collections
• Monitor customer accounts and accounts receivable activity to identify potential credit risks and delinquency trends.
• Proactively manage customer collections activities to reduce aging balances and minimize bad debt exposure.
• Recommend appropriate actions for high-risk or delinquent accounts.
• Assist in evaluating and documenting potential bad debt write-offs for management review.
• Reporting & Analysis
• Prepare, analyze, and maintain reports related to portfolio performance, credit risk, and collections effectiveness.
• Identify trends, opportunities, and areas of concern through data analysis.
• Support department objectives and key performance indicators through accurate reporting and performance tracking.
• Customer & Internal Partnership
• Build and maintain strong relationships with customers, sales teams, customer service representatives, and other business partners.
• Work collaboratively to resolve account disputes involving pricing, billing discrepancies, shortages, deductions, and promotional allowances.
• Serve as a trusted resource on credit and collections processes, ensuring consistency and operational excellence.

Qualifications

• Required
• High School Diploma or GED equivalent.
• Minimum of 3 years of experience in commercial credit analysis, credit & collections, accounts receivable, or a related financial role.
• Experience reviewing financial statements and making credit-related decisions.
• Strong analytical, organizational, and problem-solving skills.
• Proficiency in Microsoft Excel and other business software applications.
• Excellent written and verbal communication skills.

Preferred

• Associate's or Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
• Experience working with ERP systems and credit management platforms.
• Familiarity with automated credit scoring tools and decision-management systems.
• Experience supporting credit operations in a high-volume environment.

• What Success Looks Like
• The successful candidate will:
• Make timely, accurate credit decisions that support business growth while minimizing risk.
• Maintain a high level of accuracy in account management and reporting.
• Effectively prioritize multiple requests in a fast-paced environment.
• Resolve customer and internal inquiries promptly and professionally.
• Identify and address account discrepancies before they become larger issues.
• Build strong working relationships across departments and with external customers.
• Contribute to continuous improvements in credit and collections processes.

• Work Environment
• Primarily office-based environment.
• Regular use of computers, phones, and standard office equipment.
• Sedentary role with extensive data analysis, communication, and account management activities.
• Ability to occasionally lift up to 25 pounds.
• Minimal travel required (up to 5% based on business needs).

• Why Join?
• This position offers the opportunity to play a key role in protecting the financial health of a growing organization while partnering with multiple business functions. The ideal candidate will enjoy a collaborative environment, meaningful responsibility, and the ability to directly influence business decisions and customer relationships.

Interested candidates are encouraged to apply and learn more about this exciting opportunity with our client.