Credit Analyst

Our client is seeking a detail-oriented and analytical Credit Analyst to join their finance team. This role is responsible for evaluating customer creditworthiness, managing credit risk, supporting collections activities, and helping maintain a healthy accounts receivable portfolio. The ideal candidate will bring a strong understanding of commercial credit practices, financial analysis, and customer relationship management while balancing business growth objectives with risk mitigation strategies.

This is an excellent opportunity for a finance professional who enjoys problem-solving, cross-functional collaboration, and making a direct impact on a company's financial performance.

Credit Analysis & Risk Management

• Review and analyze customer financial statements, trade references, bank references, and credit reports to determine creditworthiness.
• Establish, modify, or recommend customer credit limits and payment terms within approved authority levels.
• Evaluate and approve credit orders while ensuring compliance with company policies and risk management guidelines.
• Escalate credit requests exceeding approval authority with well-documented recommendations.

• Monitor customer accounts and accounts receivable activity to identify potential credit risks and delinquency trends.
• Proactively manage customer collections activities to reduce aging balances and minimize bad debt exposure.
• Recommend appropriate actions for high-risk or delinquent accounts.
• Assist in evaluating and documenting potential bad debt write-offs for management review.

• Prepare, analyze, and maintain reports related to portfolio performance, credit risk, and collections effectiveness.
• Identify trends, opportunities, and areas of concern through data analysis.
• Support department objectives and key performance indicators through accurate reporting and performance tracking.

• Build and maintain strong relationships with customers, sales teams, customer service representatives, and other business partners.
• Work collaboratively to resolve account disputes involving pricing, billing discrepancies, shortages, deductions, and promotional allowances.
• Serve as a trusted resource on credit and collections processes, ensuring consistency and operational excellence.

Required

• High School Diploma or GED equivalent.
• Minimum of 3 years of experience in commercial credit analysis, credit & collections, accounts receivable, or a related financial role.
• Experience reviewing financial statements and making credit-related decisions.
• Strong analytical, organizational, and problem-solving skills.
• Proficiency in Microsoft Excel and other business software applications.
• Excellent written and verbal communication skills.

Preferred

• Associate's or Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
• Experience working with ERP systems and credit management platforms.
• Familiarity with automated credit scoring tools and decision-management systems.
• Experience supporting credit operations in a high-volume environment.

The successful candidate will:

• Make timely, accurate credit decisions that support business growth while minimizing risk.
• Maintain a high level of accuracy in account management and reporting.
• Effectively prioritize multiple requests in a fast-paced environment.
• Resolve customer and internal inquiries promptly and professionally.
• Identify and address account discrepancies before they become larger issues.
• Build strong working relationships across departments and with external customers.
• Contribute to continuous improvements in credit and collections processes.
• Primarily office-based environment.
• Regular use of computers, phones, and standard office equipment.
• Sedentary role with extensive data analysis, communication, and account management activities.
• Ability to occasionally lift up to 25 pounds.
• Minimal travel required (up to 5% based on business needs).

This position offers the opportunity to play a key role in protecting the financial health of a growing organization while partnering with multiple business functions. The ideal candidate will enjoy a collaborative environment, meaningful responsibility, and the ability to directly influence business decisions and customer relationships.