Sr Credit Analyst

Overview

Consider joining the MX Holdings family as a Senior Credit Analyst (Manufacturing) in our St. Louis, MO location. The Senior Credit Analyst (Manufacturing) is responsible for establishing credit limits for new accounts or reviewing credit limits for existing customers. This position is responsible for overseeing the Pennex portfolio of accounts to ensure timely payments and to keep them within their designated credit limits.

In addition, the Senior Credit Analyst works to resolve any customer disputes or complaints and escalates to the credit manager if determined that the customer is unwilling or unable to pay in accordance with agreed upon payment terms.

Essential Duties and Responsibilities:

• Oversees all credit and collection responsibilities for Pennex
• Establishes internal credit limits for customers through comprehensive analysis, including financial statement review, operational assessment, and high-level customer discussions.
• Secures credit insurance when appropriate to support customer credit limits.
• Conducts ongoing reviews of existing customer credit limits, with formal annual reviews.
• Makes internal credit decisions up to $250k and prepares credit recommendations for the credit committee for decisions above this amount based on comprehensive analysis and review.
• Ensures adherence to customer payment terms through effective collection management.
• Works closely with sales and admin teams to identify and correct problems and issues causing payment delays.
• Develops payment plans with customers experiencing cash flow problems where appropriate while managing overall credit risk.
• Files insurance claims and/or bankruptcy claims as necessary for nonperforming or bankrupt accounts.
• Monitors and controls credit exposures for all customers to ensure adherence to established credit limits.
• Other duties as assigned.

Education and Experience:

• Bachelor’s degree in Finance, Accounting, or a related field required
• Master’s degree preferred
• 10 or more years of commercial credit experience as Senior Credit Analyst or equivalent

Required Skills/Abilities:

• Strong verbal, communication and negotiating skills
• Strong analytical skills
• Demonstrates strong initiative and self-motivation by proactively identifying risks, improving processes, and driving tasks to completion with minimal supervision
• Champions continuous improvement initiatives that drive operational excellence and measurable results
• Strong judgment and decision‑making skills with a demonstrated ability to balance risk and profitability
• Experience with ERP systems (Microsoft Dynamics 365 preferred)
• Strong collaboration with sales, operations, supply chain, and finance teams
• Ability to challenge assumptions and influence stakeholders while maintaining relationships
• Travel up to 25% as needed
• Regular attendance required.
• Must be able to pass pre‑employment physical and drug screen.
• Must be eligible to work in the United States; visa sponsor ships are not available.

• Medical, dental and vision insurance
• Disability and life insurance
• 401(k) with matching contribution
• Generous allotment of paid vacation and paid holidays
• Competitive wages plus performance‑based bonus opportunities
• Employee Assistance Program (EAP)
• Ongoing training and professional development
• Ample opportunity for career growth and advancement
• Relocation package may be available

We welcome people of different backgrounds, abilities, and perspectives. To ensure our business and culture continue to be inclusive of all people, we never discriminate based on race, religion, national origin, gender identity or expression, sexual orientation, age or marital status, veteran, or disability status. MX Holdings and our family of brands, including Metal Exchange and Pennex, are proud to be equal opportunity employers.

Additionally, all your information will be kept confidential according to EEO guidelines. Should you have any questions or require special assistance completing your application, please email

Qualified Applicants must be legally authorized for employment in the United States and not require employer‑sponsored work authorization now or in the future for employment in the United States.

Our salary ranges are primarily determined by role, level, and location. The range provided for each job posting reflects the minimum and maximum target salaries for the position across all U.S. locations. Within the range, individual pay is determined by work location and additional factors, including job‑related skills, experience, and relevant education or training.

Confidentiality Agreement

Required:

Yes

USD $70,000.00 / Yr.

USD $89,000.00 / Yr.