Credit Analyst

POSITION SUMMARY: The Credit Analyst is a customer-facing role responsible for evaluating, establishing, and maintaining customer credit accounts while minimizing financial risk to the organization. This position plays a key role in customer onboarding, credit analysis, and ongoing account maintenance, including credit limit recommendations, financial review, and compliance with company credit policies.

• Serve as the primary point of contact for the credit department inbox, responding to internal and external inquiries in a timely and professional manner.
• Evaluate and establish new customer accounts, including credit analysis, financial review, and credit limit recommendations.
• Gather and analyze financial statements, credit reports, and trade references to assess customer creditworthiness and minimize risk.
• Set up and maintain accurate customer records within the ERP system (IFS).
• Request and manage approvals for new accounts and credit limits in accordance with company policy.
• Apply for and manage credit insurance coverage, including working with providers (e.g., Euler Hermes) and filing claims when necessary.
• Collect and maintain sales tax exemption certificates and required customer documentation.
• Communicate directly with customers to obtain required documentation, resolve discrepancies, and support account setup.
• Monitor statement generation to ensure customers receive accurate invoices and resolve delivery issues (e.g., returned or “kicked back” emails).
• Maintain accurate and organized customer credit files, ensuring all information is current and complete.
• Process customer payments, including credit card transactions when needed.
• Collaborate with Sales, Customer Service, Accounting, and leadership to support customer onboarding and account management.
• Participate in regular credit team meetings and provide updates on account status and risk exposure.
• Assist the Credit Manager with reporting, credit insurance updates, and process improvements.
• Support lien waiver processing and verification activities.
• Serve as backup for collections activities and assist the Collections & Risk Analyst as needed.
• Ensure all activities are conducted in compliance with company credit policies and procedures.

• Bachelor’s degree in Finance, Accounting, Business, or related field (or equivalent experience).
• 3–5+ years of experience in credit analysis, accounts receivable, or a related field.

• Excellent written and verbal communication skills, with the ability to interact across all levels of the organization, including senior leadership.
• Strong analytical and problem-solving skills with attention to detail.
• Customer-focused mindset with the ability to manage sensitive financial discussions professionally.
• Ability to prioritize, organize, and manage multiple responsibilities independently.
• Strong teamwork and collaboration skills.
• Solid understanding of financial statements, including balance sheets, income statements, and cash flow analysis.
• Experience with credit reporting tools and financial analysis.
• Knowledge of credit insurance processes and providers (e.g., Euler Hermes).
• Familiarity with sales tax documentation, including exemption certificates.
• Understanding of legal and financial documents such as guarantees, security agreements, and lien processes.
• Experience with ERP systems (preferably IFS).
• Proficiency in Microsoft Office, especially Excel.

Equal Opportunity Employer
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