About This Role
This Credit Analyst role involves managing credit and collection activities for an assigned portfolio of business customers. The successful candidate will evaluate creditworthiness, monitor financial exposure, collect receivables, and review orders for release, balancing risk, business needs, and customer relationships. The work strengthens credit controls, improves receivables performance, and keeps internal partners informed of emerging risks.
Responsibilities
- Conduct credit investigations for new and existing customers using credit applications, financial information, references, third-party resources, and industry data
- Evaluate customer creditworthiness and recommend or establish credit limits within assigned authority; partner with the Credit Manager on higher-volume, extended-term, or elevated-risk situations
- Monitor payment activity, credit exposure, account history, aging, and emerging risk indicators; identify changes that may signal increased financial risk
- Prioritize and pursue collection activity through telephone, email, customer portals, and other appropriate methods; document customer commitments, disputes, and follow-up
- Research payments, credit memos, deductions, potential cash-application issues, and unearned cash discounts; coordinate resolution with the appropriate teams
- Review customer orders against credit guidelines, available credit, account status, payment history, and current exposure; release, hold, or escalate orders within established authority
- Maintain complete and accurate credit files, customer credit and billing information, Accounts Payable contacts, and supporting account records
- Coordinate with Customer Master Data and internal partners to support accurate ship-to, billing, invoice, and account relationships
- Prepare weekly, monthly, and ad hoc credit and collection reporting; communicate significant payment trends, collection barriers, and elevated risk to the Credit Manager
- Monitor industry and third-party credit information, maintain credit and collection procedures, and support continuous improvement in controls, efficiency, risk management, and Days Sales Outstanding
Requirements
- Associate degree with relevant experience may be considered
- Proficiency with Microsoft Office Suite and applicable credit, accounts receivable, reporting, customer-management systems, and customer portals
- Strong knowledge of credit-risk assessment, collections, account reconciliation, and receivables management
- Ability to independently prioritize work based on aging, dollar exposure, payment history, order urgency, and financial risk
Nice to have:
- Bachelor’s degree in Accounting, Finance, Business Administration, or a related field
- Five or more years of commercial credit, collections, accounts receivable, or related experience
