Senior Credit Analyst

The Sr. Credit Analyst is responsible for evaluating customer creditworthiness, managing Accounts Receivable across retail, wholesale, and e-commerce customers, minimizing bad debt exposure, and maintaining healthy customer relationships. This role partners closely with Sales, Customer Service, and Finance to support profitable growth while ensuring timely collections and compliance with company credit policies. The ideal candidate possesses strong financial statement analysis and credit risk assessment skills, along with experience managing credit and collections within a corporate Accounts Receivable environment.

Key Responsibilities:

• Credit Management:
• · Review and analyze new customer credit applications and establish appropriate credit limits.
• · Perform ongoing credit evaluations using financial statements, credit reports, payment history, and industry trends.
• · Monitor customer credit exposure and recommend credit limit increases, decreases, or holds.
• · Maintain customer credit files and documentation in accordance with company policies.
• · Evaluate customer financial risk while supporting sales growth objectives.
• Collections:
• · Manage and monitor a portfolio of Accounts Receivable across retail, wholesale, and e-commerce customers, ensuring timely collection and proactively addressing credit and delinquency risks.
• · Contact customers regarding past due invoices via phone, email, and written correspondence.
• · Resolve payment disputes by coordinating with Sales, Customer Service, Logistics, and Accounts Receivable.
• · Negotiate payment plans when appropriate while minimizing delinquency.
• · Escalate high-risk accounts and recommend collection agency placement or legal action when necessary.
• Accounts Receivable Support:
• · Monitor aging reports and prioritize collection activities based on risk and delinquency.
• · Reconcile customer accounts and research unapplied cash, deductions, chargebacks, and short payments.
• · Process and document customer deductions in accordance with company policies.
• · Assist with month-end closing activities related to Accounts Receivable.
• Cross-Functional Collaboration:
• · Partner with Sales to support business growth while maintaining sound credit decisions.
• · Communicate account status, credit holds, and collection issues to internal stakeholders.
• · Support customer onboarding by ensuring credit documentation is complete.
• · Participate in continuous improvement initiatives related to order-to-cash processes.
• Qualifications:
• · Bachelor's degree in Finance, Accounting, Business Administration, or related field preferred.
• · Equivalent combination of education and experience will be considered.
• · 3–5+ years of experience in credit analysis, collections, or corporate accounts receivable.
• · Demonstrated experience analyzing financial statements and assessing a customer's financial condition and creditworthiness.
• · Experience managing Accounts Receivable across retail, wholesale, and/or e-commerce customers preferred.