Credit Analyst

The Simplot Company is a diverse, privately held global food and agriculture company headquartered in Boise, Idaho. We are a true farm-to-table company with an integrated portfolio including food processing and food brands, phosphate mining, fertilizer manufacturing, farming, ranching and cattle production, and other enterprises related to agriculture.

The Credit Analyst supports U.S. domestic business-to-business customers across the Food/North American Food Group and Wholesale Agriculture portfolios. The role evaluates and monitors commercial credit risk, manages assigned accounts receivable and collection activity, supports responsible sales, and helps convert receivables into timely cash while protecting company assets.

The analyst investigates new and existing customers; evaluates financial capacity, payment behavior, and account exposure; and makes or recommends credit decisions within delegated authority and established policies. This customer-facing financial role involves large-dollar commercial transactions and requires balanced judgment, disciplined documentation, and appropriate escalation when matters exceed the analyst’s authority.

This is a full-time onsite position at Simplot HQ in Boise, Idaho.

• Customer onboarding and credit investigation: Review new account applications, renewals, and requests for credit or limit changes. Obtain and evaluate available commercial credit reports, bank and trade references, financial information, legal-entity documentation, and other relevant indicators of creditworthiness.
• Financial and payment-risk analysis: Analyze financial statements, payment history, aging trends, credit utilization, purchasing requirements, and other relevant business factors. Identify material concerns, emerging risks, and situations requiring additional review or escalation.
• Credit decisions and recommendations: Establish or recommend appropriate credit limits, terms, account conditions, and risk-mitigation measures based on documented analysis. Approve decisions within delegated authority and prepare clear recommendations for the appropriate approval level when exposure, exceptions, or risk exceed that authority.
• Portfolio monitoring and account management: Monitor assigned accounts for changes in payment behavior, financial condition, exposure, purchasing activity, ownership, or other risk indicators. Complete periodic reviews and recommend appropriate changes to limits, terms, holds, or account status.
• Collections and aging management: Review accounts receivable aging, contact past-due B2B customers, secure and document payment commitments, issue appropriate communications, and follow through until payment or resolution.
• Dispute and account-issue resolution: Investigate billing, deduction, payment-application, account-setup, and other customer issues. Work with customers and internal teams to identify root causes and drive practical resolution while maintaining appropriate financial controls.
• Order-hold review: Evaluate orders on credit hold by considering delinquency, existing exposure, available credit, payment commitments, customer risk, and other relevant information. Release orders within delegated authority or elevate with a documented assessment and recommendation.
• Professional customer and business communication: Communicate directly with customers by telephone and in writing regarding past-due balances, payment commitments, information requests, credit decisions, holds, account issues, and next steps. Communications must be timely, clear, professional, appropriately firm, and respectful.
• Cross-functional partnership: Coordinate with Sales, Customer Service, Cash Application, Accounting, Finance, and other internal partners to…