Credit​/collections Specialist

Job Title:

Credit and Collections Specialist

This role combines business-to-business credit analysis and portfolio-based collections to ensure a high-quality trade accounts receivable portfolio. You will manage a defined customer portfolio, evaluate creditworthiness using multiple data sources, and execute effective collection strategies to maintain strong cash flow and minimize risk. This position offers the opportunity to build a long-term career in a stable organization with a collaborative, high-performing, and fun team culture.

• Establish and maintain effective credit procedures that support sound lending decisions and minimize risk.

• Review and analyze data from credit reports, credit references, internal payment history, and input from sales personnel to determine appropriate credit terms.

• Evaluate customer creditworthiness and make recommendations or decisions regarding credit limits and terms based on established guidelines.

• Maintain and execute effective collection policies and procedures focused on ensuring the quality of trade accounts receivable.

• Manage a dedicated portfolio of 300–400 business-to-business customers with approximately $5 million in outstanding receivables.

• Monitor accounts receivable aging for the assigned portfolio and take timely action to keep at least 80% of the portfolio current.

• Proactively contact customers within the portfolio via phone and email to resolve past-due balances and secure timely payments.

• Identify, research, and resolve payment discrepancies, short pays, and disputes in collaboration with internal teams and customers.

• Perform basic cash application activities as needed to ensure accurate posting of customer payments.

• Use Word and Excel (including pivot tables and VLOOKUP) to create, update, and interpret reports related to credit, collections, and portfolio performance.

• Apply general accounting knowledge, including understanding debits and credits, to interpret account activity and resolve issues.

• Exercise critical thinking and problem-solving skills to address complex account situations and negotiate payment arrangements.

• Provide professional, responsive customer service to maintain strong relationships while enforcing credit and collection policies.

• Manage workload independently, prioritizing tasks across a large portfolio and meeting deadlines in a high-stress, metric-driven environment.

• Maintain accurate documentation and follow-through on all collection activities, agreements, and customer communications.

• Collaborate closely with team members, sharing best practices and participating in a supportive, team-oriented environment.

• Participate in team competitions and performance-based activities that support engagement and achievement of portfolio metrics.

• Continuously seek opportunities to improve processes, reporting, and portfolio performance in line with team goals.

• Minimum 2 years of experience in credit, collections, accounts receivable, accounting, or tax, or a related experience, or a relevant college degree with strong interest in long-term growth.

• Experience in business-to-business (B2B) credit and collections or closely related financial roles.

• Demonstrated ability to manage a portfolio of accounts rather than working in a high-volume call center environment.

• Ability to read and interpret credit reports to support credit decisions; no requirement to read full financial statements.

• Proficiency with Microsoft Word and Excel, including the ability to create reports and use pivot tables and VLOOKUP functions.

• General accounting knowledge, including a clear understanding of debits and credits.

• Strong customer service skills, with experience communicating with customers via phone and email.

• Solid business knowledge, including understanding of basic concepts such as interest rates.

• Well-developed critical thinking and problem-solving skills applied to account and credit issues.

• Professional demeanor with the ability to contribute positively to a fun, collaborative team culture.

• Ability to manage oneself independently, including organizing daily work without constant supervision.

• Capacity to handle a high-stress role with competing priorities and performance expectations.

• Strong time management and prioritization skills to effectively oversee a large account portfolio.

• High attention to detail, ensuring accuracy in data, reports, and account follow-up.

• Consistent follow-through on commitments, action items, and customer agreements.

• High level of…