Senior Credit Risk Analyst

Harmer has been engaged by our client to identify a Senior Credit Analyst in Houston. This opportunity offers a combination of financial analysis, credit risk management, and business partnership within an established organization. The ideal candidate will bring strong analytical skills, sound judgment, and an interest in contributing to process improvements and operational efficiencies. We welcome you to apply.

• Join an established organization with a collaborative, supportive team environment
• Work closely with an experienced leader who values mentorship and professional development
• Opportunity to take ownership of credit analysis and risk management for an assigned portfolio
• Play an active role in improving processes, enhancing reporting, and supporting automation initiatives
• Broad exposure across credit analysis, financial operations, and cross-functional business partnerships
• Hybrid work schedule, competitive compensation, bonus potential, and comprehensive benefits

• Analyze customer financial statements, credit reports, and payment trends to evaluate financial performance and creditworthiness
• Prepare detailed credit analyses, recommend credit limits, and assign appropriate risk ratings
• Manage an assigned portfolio, monitoring credit exposure, payment performance, and potential risks
• Partner with commercial and finance teams to support customer relationships and provide credit recommendations
• Evaluate credit holds and make recommendations regarding order releases and alternative credit solutions
• Support cash application, account reconciliations, collections, and other credit-related activities
• Prepare credit, collections, and portfolio reporting for management
• Identify opportunities to improve processes, strengthen controls, and increase operational efficiency

• Bachelor's degree in Finance, Accounting, Economics, or related field
• 3+ years of credit analysis experience, including financial statement spreading, credit risk assessment, and credit recommendations
• Strong financial analysis skills with the ability to evaluate financial performance and make sound credit decisions
• Excellent communication and interpersonal skills with the ability to partner effectively across departments
• Strong analytical mindset, attention to detail, and ability to manage competing priorities
• Proactive, adaptable approach with an interest in process improvement and continuous learning
• ERP experience preferred, particularly SAP
• Bilingual English/Spanish skills are a plus
• Experience in a corporate or commercial credit environment