Senior Credit and Collections Analyst

Job Description Position:
Senior Credit and Collections Analyst

Job Summary The Senior Credit and Collections Analyst manages a complex portfolio of customer accounts and supports the organization’s credit risk, collections, dispute resolution, and cash-flow objectives. This role independently analyzes account exposure and payment trends, prioritizes collection strategies, resolves escalated billing and deduction issues, recommends credit limits and order-release decisions within established authority, and partners with Sales, Customer Service, Finance, and customers to reduce delinquency while preserving productive business relationships.

The analyst also prepares portfolio reporting, identifies process improvements, and serves as a resource to less-experienced team members.

Essential

Job Responsibilities Manage a complex portfolio of domestic and/or international customer accounts, execute collection strategies, negotiate payment commitments, and document follow-up activity.

Analyze aging, payment history, credit exposure, risk indicators, disputes, deductions, and customer financial information to prioritize action and recommend appropriate credit terms or limits.

Perform account reconciliations, research unapplied cash and short payments, and drive timely resolution of billing, pricing, tax, freight, proof-of-delivery, and other customer claims.

Partner with Sales, Customer Service, Finance, Cash Applications, and other stakeholders to resolve escalations, remove payment barriers, and improve the customer experience.

Evaluate credit holds and order-release requests in accordance with company policy and delegated authority; escalate material risks with clear analysis and recommendations.

Prepare and communicate aging, collection forecast, dispute, delinquency, bad-debt risk, and key performance indicator reports to management.

Maintain accurate collection notes, promise-to-pay dates, dispute status, credit documentation, and account records in the ERP and related systems.

Support month-end and quarter-end activities, including account review, reserve or write-off support, reconciliations, audit requests, and reporting.

Lead or support process-improvement initiatives, develop standard work and reporting tools, and help strengthen credit and collections controls.

Provide guidance, knowledge sharing, and backup support to team members; assist with onboarding or training as requested.

Comply with company policies, approval authorities, internal controls, and applicable laws and regulations.

Perform other duties as assigned.

Required Qualifications Bachelor’s degree in Accounting, Finance, Business Administration, or a related field is preferred; an equivalent combination of education and relevant experience will be considered.

Minimum of 4 years of progressively responsible experience in commercial credit, accounts receivable, collections, or a related order-to-cash function.

Advanced Microsoft Excel skills and proficiency with Microsoft Outlook and Word.

Working knowledge of ERP, customer account, reporting, and collections systems is required.

Must possess capacity to extract, organize, reconcile, and present data for management reporting and decision support.

Demonstrated ability to manage a high-volume or complex accounts receivable portfolio in a fast-paced environment.

Strong knowledge of commercial credit, collections, account reconciliation, dispute and deduction management, and order-to-cash processes.

Proven analytical and problem-solving skills, with a high degree of accuracy and attention to detail.

Advanced proficiency in Microsoft Excel, including pivot tables, lookups, filters, formulas, and data analysis; proficiency with Outlook and Word.

Experience with ERP and collections platforms;
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