Credit Analyst

CREDIT ANALYST
Belle Vernon, PA (Hybrid)
$75,000- $80,000

We are seeking a detail-oriented and analytical Credit Analyst to support credit risk management, financial statement analysis, and accounts receivable collections. This individual will evaluate customer creditworthiness, establish appropriate credit limits and payment terms, monitor account performance, and work proactively to minimize delinquency and bad debt exposure.

The Credit Analyst will collaborate closely with Sales, Accounting, and other internal teams to support business operations, resolve account issues, and maintain strong customer relationships. This role also offers opportunities to improve credit processes, leverage AI-driven tools, and contribute to the overall efficiency of the credit function.

OVERVIEW OF THE CREDIT ANALYST ROLE:

• Analyze customer financial statements, evaluate financial performance, and prepare key operating metrics to support informed credit decisions. Leverage AI-enabled solutions to enhance analysis and efficiency.
• Establish and recommend customer credit limits and payment terms based on financial analysis, payment history, and overall risk exposure.
• Monitor assigned accounts receivable portfolios, proactively manage delinquent balances, resolve payment disputes, and help maintain established delinquency and bad debt targets.
• Partner with Sales and customers to obtain appropriate credit support, including letters of credit, personal guarantees, parent company guarantees, and cross-corporate guarantees.
• Track customer financial health and payment trends, identify potential risks, and communicate concerns and recommendations to relevant stakeholders.
• Support consistent use of the credit application platform across business divisions, collaborate with the platform provider, and help ensure the system meets departmental needs.
• Prepare monthly credit reports, portfolio performance metrics, bad debt reserve reviews, and departmental efficiency reporting.
• Assist the Credit Manager with supplier credit limit monitoring, reporting, and communication with supplier credit departments.
• Work with Sales, Accounting, Customer Service, and other departments to resolve order-to-cash issues and support timely business transactions.
• Apply and communicate credit policies and procedures consistently while balancing risk management with business needs.
• Identify opportunities to streamline workflows, improve departmental procedures, and implement AI-based solutions and other technology enhancements.
• Maintain professional relationships with customers and internal partners, address inquiries, assist with special projects, and provide backup support to other credit team members.

PREFERRED QUALIFICATIONS FOR THE CREDIT ANALYST:

• Bachelor's degree in Finance, Accounting, Business, or a related field, or equivalent relevant professional experience.
• Approximately two or more years of experience in credit analysis, financial statement analysis, accounts receivable, collections, or a related area preferred.
• Strong understanding of financial statements, credit risk assessment, and customer financial performance.
• Experience with credit security instruments and documentation; familiarity with bankruptcy laws and processes.
• Demonstrated ability to manage delinquent accounts, reduce accounts receivable risk, and support effective collection strategies.
• Strong analytical, problem-solving, and decision-making skills, with excellent attention to detail.
• Proficiency in Microsoft Office, particularly Excel; experience with ERP or accounting systems preferred.
• Ability to learn and utilize credit management platforms, AI-enabled tools, and other business technologies.
• Excellent written and verbal communication skills, with the ability to explain credit requirements and financial information clearly.
• Ability to prioritize competing responsibilities, meet deadlines, and make sound decisions in a fast-paced environment.
• Strong interpersonal skills and the ability to build effective relationships with customers, colleagues, and management.
• Knowledge of the petroleum, energy, or fuel distribution industry is a plus.