Senior Credit Analyst

Overview

Founded in 1920, Eastman is a global specialty materials company that produces a broad range of products found in items people use every day. With the purpose of enhancing the quality of life in a material way, Eastman works with customers to deliver innovative products and solutions while maintaining a commitment to safety and sustainability. The company’s innovation-driven growth model takes advantage of world-class technology platforms, deep customer engagement, and differentiated application development to grow its leading positions in attractive end markets such as transportation, building and construction, and consumables.

As a globally inclusive company, Eastman employs approximately 14,000 people around the world and serves customers in more than 100 countries. The company had 2024 revenue of approximately $9.4 billion and is headquartered in Kingsport, Tennessee, USA. For more information, visit

• We are seeking a detail-oriented and analytical Senior Credit Analyst to join our treasury team. The successful candidate will be responsible for assessing the creditworthiness of potential and existing customers, analyzing financial data, and providing insights to inform credit decisions for assigned lines of business.
• This role will work closely with our commercial leaders and requires strong business acumen and understanding of credit risk management.
• This role will also be responsible for executing effective collection strategies for a select group of strategic customers and supporting other special projects as needed.
• Assess the credit worthiness of public and privately held companies through financial analysis, market data and other available information
• Partner with financial and commercial teams to understand and optimize reward/risk tradeoffs in counter party relationships to drive decisions aligned with Eastman’s risk philosophy
• Recommend and approve credit limits based on credit risk profile
• Leverage data, automation, and emerging technologies to streamline credit processes, improve risk assessments, and drive value-added insights
• Build and maintain relationships with counter parties to support credit risk analysis and credit negotiations
• Prepare and present credit information and insights to business leaders during monthly commercial meetings to support strategic decisions
• Advise business leaders on strategies for managing high credit risk customers
• Establish and monitor credit limits and payment terms based on customer risk profiles
• Develop and execute effective collection strategies for select, strategic customers to optimize cash flow and reduce credit risk
• Analyze customer payment patterns to identify areas for improvement
• Participate in other special projects as needed
• Track and stay abreast of market changes related to counter party, industry and/or country developments that may impact counter party’s creditworthiness

• Excellent communication, presentation and negotiation skills, with the ability to maintain professional relationships with customers.
• Strong analytical and problem-solving skills with attention to detail
• Solid business acumen, particularly with financial literacy, market awareness and strategic thinking
• Strong understanding of accounting principles to conduct in-depth financial statement analysis.
• Demonstrated ability to consider impact of decisions on other aspects of the business
• Practical understanding of working capital management
• Able to learn quickly when facing new situations
• Excellent time management skills, able to prioritize tasks effectively and manage multiple requests to meet deadlines in a fast-paced environment
• Proficient in Microsoft Office Suite of applications

Education

• Bachelor's degree required. Degree in Business, Accounting, Finance or Supply Chain preferred

Experience

• 3+ years of experience in business or corporate setting required
• Experience analyzing financial statements is preferred
• Prior experience in credit analysis or collections is preferred
• Prior experience with bankruptcy or UCC filings is preferred
• Experience preparing presentations and communications to senior leaders preferred

Eastman Chemical Company is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, disability, pregnancy, veteran status or any other protected classes as designated by law.

Eastman is committed to creating a highly engaged workforce, where everyone can contribute to their fullest potential each day.