Credit and Collections Specialist

Credit & Collections Specialist

Location: Edison, NJ

Job Type: Full-Time

Schedule: Monday through Friday, Standard business hours

Salary: DoE

The Credit & Collections Specialist will evaluate customer creditworthiness, monitor account activity, and manage the collections process to ensure timely payments. This role is essential for maintaining strong cash flow, reducing financial risk, and supporting overall company operations. The ideal candidate is smart, organized, computer-savvy, and able to communicate professionally with customers while confidently requesting payment.

• Review and analyze credit applications, financial statements, and payment history to determine appropriate credit limits
• Monitor customer accounts to identify risk and recommend credit adjustments when necessary
• Manage collections on outstanding receivables while maintaining positive client relationships
• Call and email customers regarding payment status, aging invoices, and account discrepancies
• Work closely with Sales, Customer Service, and Finance to resolve billing or account issues
• Maintain accurate documentation of customer interactions, disputes, and payment arrangements
• Provide regular reporting on aging, collections progress, and high-risk accounts
• Additional responsibilities as required

• Strong communication and interpersonal skills
• Ability to remain professional and confident when requesting payment
• Excellent organizational skills with strong attention to detail
• An analytical mindset with the ability to evaluate credit risk
• Ability to work well with internal teams and external clients
• Strong time-management skills and ability to prioritize tasks

• Experience in credit, collections, or related accounting functions (preferred)
• Strong computer skills, including proficiency with spreadsheets and accounting systems
• Ability to interpret financial information
• Excellent written and verbal communication skills
• Strong problem-solving and follow-up abilities

• Must be comfortable making collection calls and speaking directly with customers about payments