Credit Analyst

Position overview

Credit and collections

• Assess customer creditworthiness, review applications and supporting documents, and recommend credit limits, payment terms, and account status.
• Monitor exposure, utilization, payment trends, and risk; conduct periodic reviews and recommend adjustments or mitigation.
• Review and release orders in credit queues under company policies and decide whether orders should be released, held, or escalated.
• Monitor aging, follow up on delinquent accounts, and collect overdue balances while maintaining customer relationships.

Accounts receivable and records

• Reconcile accounts and resolve payment discrepancies, unapplied cash, short payments, deductions, claims, and disputed invoices.
• Process and apply EFT, cheque, wire, and credit card receipts.
• Create customer ERP accounts and maintain customer master data and records in Prelude.
• Verify credit applications and supporting tax, banking, and trade-reference documents; maintain credit files.
• Prepare aging, collections, and management reports and support month-end and year-end accounts receivable accounting.
• Respond to account inquiries and coordinate setup and maintenance with Sales, Customer Service, Tax, and Finance.
• Maintain accurate ERP records and follow company policies and internal controls.

Qualifications

• At least 5 years of experience in credit, accounts receivable, collections, or a related finance role.
• Postsecondary education in Accounting, Finance, Commerce, or Business Administration.
• Experience supporting Canadian and U.S. B2B credit portfolios and understanding of credit adjudication, credit risk, and the order-to-cash cycle.
• Experience reviewing and releasing credit-held orders; strong reconciliation and collections skills.
• Ability to analyze aging reports, payment history, and credit exposure.
• Advanced Excel skills, including XLOOKUP/VLOOKUP, Pivot Tables, SUMIFS/COUNTIFS, data analysis, and reporting.
• Experience with ERP systems; Prelude experience is an asset.
• Power BI, Power Query, other reporting tools, and CCP, FCI, or equivalent designation are assets.
• Strong communication, organization, and attention to detail; able to work independently, manage priorities, and collaborate cross-functionally.