Senior Credit Analyst

A well established North American organization is seeking a Senior Credit Analyst to join its finance team. This role is ideal for an experienced credit and accounts receivable professional who enjoys combining financial analysis, risk management, and business partnership to support organizational growth.

Reporting to the Credit & Collections Manager, the Senior Credit Analyst will play a key role in evaluating customer credit risk, optimizing cash flow, supporting collection activities, and providing valuable financial insights to business leaders. The position offers the opportunity to work cross-functionally with sales, operations, customer service, and finance teams while contributing to process improvements and strategic decision-making.

• Evaluate customer creditworthiness through financial statement analysis, payment history reviews, credit reporting, and risk assessments
• Recommend appropriate credit limits, payment terms, and risk classifications in accordance with company guidelines
• Review and maintain customer credit profiles, ensuring information remains accurate and up to date
• Support new customer onboarding and credit approval processes
• Monitor customer performance and identify potential credit risks or growth opportunities
• Provide recommendations to leadership regarding credit exposure, risk mitigation, and account management strategies

• Manage collection efforts for complex, high-value, or escalated accounts
• Work collaboratively with internal stakeholders to resolve disputes impacting collections and customer payments
• Support negotiations related to payment arrangements and account resolutions
• Monitor collection performance and contribute to cash flow optimization initiatives
• Assist with month-end and year-end accounts receivable activities

• Prepare and analyze accounts receivable aging reports, customer exposure reports, collection metrics, and bad debt trends
• Identify risks, opportunities, and performance trends through data analysis
• Support cash collection forecasting and reserve analysis
• Maintain accurate customer records and financial data within business systems
• Provide meaningful financial insights and recommendations to support business decisions

• Contribute to continuous improvement initiatives across credit, collections, and accounts receivable functions
• Assist in developing and documenting procedures, controls, and best practices
• Ensure compliance with internal policies, audit requirements, and financial controls
• Support internal and external audit requests as required
• Participate in departmental projects and operational initiatives

• Bachelor's degree in Accounting, Finance, Business Administration, or a related field
• 5+ years of progressive experience in credit analysis, accounts receivable, collections, or a related finance function
• Experience with in manufacturing, distribution, wholesale, or other business-to-business environments is considered an asset
• Strong understanding of financial statement analysis, credit risk assessment, and collections management
• Advanced spreadsheet and data analysis skills
• Experience working with enterprise accounting or ERP systems
• Excellent analytical, problem-solving, and decision-making abilities
• Strong communication, negotiation, and relationship-building skills
• Ability to manage competing priorities in a fast-paced environment
• Additional language skills are considered an asset

This is an opportunity to join a growing organization where finance plays a strategic role in supporting business performance and customer relationships. You’ll work closely with cross-functional leaders, contribute to meaningful business decisions, and gain exposure to complex credit and risk management initiatives across a diverse customer base. The organization offers a collaborative team environment, opportunities for professional development, exposure to continuous improvement projects, competitive compensation, comprehensive benefits, and the chance to make a visible impact on both financial performance and operational success.