Accounts Receivable & Credit Analyst

The Accounts Receivable & Credit Analyst supports the organization's credit and accounts receivable functions through credit risk analysis, collections, deduction resolution, payment application, account reconciliation, and customer account management. This role evaluates new and existing customer creditworthiness, monitors accounts receivable activity, and recommends credit limits and account status while supporting timely order release decisions. The position plays an important role in improving cash flow, reducing Days Sales Outstanding (DSO), mitigating credit risk, and maintaining strong customer relationships.

The A/R & Credit Analyst works closely with Sales, Customer Service, Distribution, Finance, and customers to resolve account issues and ensure accurate and timely financial information.

• Process and analyze new customer credit applications, including reviewing financial and credit information, contacting trade and bank references, and conducting appropriate due diligence and fraud-prevention activities.
• Evaluate customer creditworthiness and recommend credit limits, account terms, and overall credit risk to department leadership.
• Perform periodic credit reviews of existing customers and identify changes in payment trends or risk exposure that may require additional review or action.
• Monitor accounts receivable aging, payment history, credit exposure, and account activity to identify past-due balances, delayed payments, deductions, and other irregularities.
• Contact customers about past-due invoices and unresolved account issues while maintaining professional, productive customer relationships.
• Research, analyze, and resolve customer deductions, disputes, short payments, and account discrepancies.
• Collect, apply, and allocate customer payments and perform account reconciliations as needed to maintain accurate account balances.
• Review customer orders placed on credit hold and determine whether to release them within established authority and company credit policies. Escalate releases requiring additional authorization to department leadership.
• Support new customer account setup and ensure required credit, billing, and tax documentation is complete and accurate.
• Manage and maintain customer sales tax documentation, including exemption certificates and other required tax information for new and existing customers.
• Utilize Oracle, customer portals, lockbox systems, and other financial tools to research transactions and maintain accurate customer account information.
• Develop and monitor accounts receivable and collection metrics, KPIs, and trend analysis to identify risks and opportunities for improvement.
• Support cash flow forecasting by providing insight into expected customer payments, past-due balances, and collection activity.
• Identify opportunities to improve credit, collections, and accounts receivable processes and provide data-supported recommendations to department leadership.
• Prepare reports, analyses, and presentations for leadership regarding credit risk, collections, customer accounts, and departmental performance.
• Partner with Sales, Customer Service, Distribution, Finance, and other internal stakeholders to resolve customer issues and facilitate timely order processing and payment.
• Support department leadership with special projects, reporting, process improvements, and other assignments as needed.

• High school diploma or equivalent required.
• Three (3) to five (5) years of accounts receivable, credit, collections, or related financial experience required.
• Associate's or bachelor's degree in Accounting, Finance, Business Administration, or a related field preferred.
• Experience analyzing customer accounts, collections, deductions, and credit information.
• Experience performing account reconciliations and researching payment discrepancies.
• Experience with Microsoft Excel and Word required.
• Experience with ERP systems such as Oracle preferred.
• Experience working with customer portals, lockbox systems, or electronic payment systems preferred.
• Knowledge of customer sales tax documentation and exemption requirements preferred.

• Strong analytical and problem-solving skills with the ability to evaluate credit risk and customer account activity.
• Knowledge of accounts receivable, credit, collections, cash application, and account reconciliation practices.
• Ability to analyze credit applications, credit references, payment history, aging, and other information to assess…