Credit Analyst

About This Role

The Credit Analyst evaluates customer creditworthiness, assesses financial risk, establishes appropriate credit limits, and manages collection activities. This role supports the company's growth objectives and requires strong communication, analytical, and critical-thinking skills to partner effectively with Sales, Operations, and Finance for sound credit decisions.

Responsibilities

• Maintain credit/collections records in ERP system
• Validate and approve sales tax exemptions
• Analyze credit and financial information
• Assign credit limits within a set authority matrix
• Maintain sound Credit policy while respecting Sales goals
• Multiple reviews of daily orders and approvals
• Communicate credit holds to Sales and Customers
• Occasional customer visits
• Heavy telephone and written communications
• Enforce terms of sale and take collection action as needed
• Deal with sensitive issues involving key accounts
• Resolve disputes and deductions
• Prepare documentation to perfect bond claims and lien rights
• Make recommendations to credit manager
• Prepare AR portfolio risk analysis report
• Participate in credit industry group meetings
• Efficiently manage multiple priorities and deadlines

Requirements

• Minimum 5 years of commercial credit and collections experience
• Experience working in a construction-related industry, including steel, concrete, HVAC, building materials, roofing, industrial distribution, construction supply, or similar industries serving contractors and construction companies
• Experience evaluating customer creditworthiness and making credit recommendations
• Strong analytical and problem-solving skills
• Proficiency with Microsoft Office applications, particularly Excel and Outlook
• Excellent written, verbal, and interpersonal communication skills
• Ability to analyze financial statements and identify credit-related risks and trends
• Strong understanding of commercial credit principles and collection practices
• Ability to balance sound credit decisions with business and sales objectives
• Strong negotiation, conflict resolution, and customer relationship management skills
• Ability to communicate effectively with customers, sales teams, management, and external partners
• Strong organizational skills and attention to detail
• Ability to prioritize multiple tasks and meet deadlines
• Self-motivated, adaptable, and capable of working independently
• Strong critical-thinking and decision-making skills