Credit Analyst

Key Responsibilities

Credit Analysis

• Review and analyze customer credit applications and supporting financial documentation.
• Evaluate financial statements, credit reports, payment history, and other relevant information
• Establish and recommend appropriate credit limits and payment terms.
• Monitor existing customer accounts for changes in creditworthiness.
• Conduct periodic credit reviews and account assessments.
• B2B experience with credit

Account Monitoring & Collections Support

• Track customer payment trends and identify potential delinquency risks.
• Partner with the Accounts Receivable team to resolve past-due accounts and support collection efforts.
• Review aging reports and recommend actions to reduce outstanding balances.

Cross-Functional Collaboration

• Partner with Sales, Finance, and Operations to balance customer service with sound risk management.
• Communicate credit decisions and recommendations effectively to internal stakeholders.
• Assist with contract reviews related to payment terms and credit requirements.
• Provide guidance regarding customer credit exposure and risk mitigation strategies.

Process Improvement

• Identify opportunities to improve credit review processes and operational efficiencies.
• Assist with system enhancements and reporting automation initiatives.
• Support finance department projects and continuous improvement efforts.

Qualifications

Education

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field preferred.
• Equivalent combinations of education and relevant experience will be considered.

Experience

• Minimum of 3 years of experience in Credit Analysis, Commercial Credit, Banking, or a related field.
• Experience reviewing financial statements and assessing commercial credit risk.
• Experience working with ERP systems, accounting software, and financial reporting tools preferred.

Skills & Competencies

• Strong analytical and problem-solving skills.
• Thorough understanding of financial statements and commercial credit analysis.
• Knowledge of commercial credit practices, collections, and risk management.
• Excellent attention to detail and organizational skills.
• Strong written and verbal communication skills.
• Ability to make sound business decisions based on financial data.
• Advanced Microsoft Excel skills preferred.
• Ability to manage multiple priorities in a fast-paced environment.

What We Offer

• Competitive Compensation
• Health, Dental, and Vision Insurance
• 401(k) with Company Match
• Paid Time Off and Company Holidays
• Career Growth and Development Opportunities
• Collaborative and Team-Oriented Work Environment

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