Senior Credit Analyst

Position: Senior Credit Analyst - 6 Month Contract )
About the Chance
Responsibilities   Analyze customer financial statements, credit reports, trade references, and payment history to assess creditworthiness.
Recommend credit limits, terms, and risk classifications in line with company policy.
Review and update existing customer credit files on a regular basis.
Support onboarding of new customers through credit approval processes.
Develop customer risk and performance assessments through analysis of financial statements, payment trends, business operations, and industry benchmarking.
Provide proactive recommendations regarding credit exposure, credit limit adjustments, account growth opportunities, and risk mitigation strategies.
Analyze customer operational and financial performance to provide meaningful credit insights and business recommendations to Finance, Sales, and leadership teams.
Prepare and analyze AR aging, customer exposure, bad debt trends, and collection performance reports.
Identify trends, risks, and opportunities through data analysis and provide actionable recommendations to management.
Support forecasting activities related to cash collections and bad debt reserves.
Ensure accurate customer master data and credit records within ERP systems.
Lead collection efforts for complex, escalated, or high-balance accounts.
Partner closely with Sales, Customer Service, Logistics, and Finance teams to resolve disputes impacting collections.
Support negotiation of payment plans, account resolutions, and risk mitigation strategies.
Assist the Credit & Collections Manager in prioritizing collection activities and monitoring team performance.
Build strong working relationships with Sales, Customer Service, Operations, and Finance teams to support business growth while maintaining appropriate risk controls.
Provide recommendations and risk assessments to support business decisions while balancing revenue growth and financial risk mitigation.
Participate in customer meetings when necessary to support account resolution or credit discussions.
Support continuous improvement initiatives related to credit, collections, and AR workflows.
Assist in developing standardized procedures, controls, and documentation.
Ensure compliance with internal controls, audit requirements, and company credit policies.
Participate in internal and external audit support activities.
Support departmental projects, workflow coordination, and operational priorities.
Maintain organized credit files and documentation.
Support ad hoc analysis and reporting requests from leadership.
Assist with month-end and year-end closing activities related to AR.
Perform other duties as assigned.
Qualifications   Bachelor’s degree in Finance, Accounting, Business Administration, or related field.
5+ years of experience in credit analysis, accounts receivable, or collections.
Experience in manufacturing, distribution, or B2B environments preferred.
Strong proficiency in ERP systems.
Advanced Excel skills (pivot tables, VLOOKUP, data analysis).

Experience with credit reporting tools (e.g., D&B, Equifax).
Mandarin language skills are considered an asset.
Travel  Ability to travel occasionally within North America (10–20%).
Pay Range  $40 - $42 / hour
EEO Notice  Vaco by Highspring is an Equal Opportunity Employer and does not discriminate against any employee or applicant for employment because of race, color, sex, religion or creed, national origin, citizenship, age, disability, veteran status, union membership, ethnicity, gender, gender identity, gender expression, sexual orientation, marital status, political affiliation, or any other protected characteristics as required by federal, state, or local law.

Vaco by Highspring and its parents, affiliates, and subsidiaries are committed to the full inclusion of all qualified individuals. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, or to receive other benefits, please contact

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