Credit Analyst

Role overview

Workplace and travel

• Full-time onsite position at Simplot Headquarters in Boise, Idaho.
• Travel required: none.

Key responsibilities

• Review new account applications, renewals, and credit or limit-change requests using available reports, references, financial information, legal-entity documents, and other relevant indicators.
• Analyze financial statements, payment history, aging trends, credit utilization, purchasing requirements, and business factors; identify concerns and escalation needs.
• Establish or recommend credit limits, terms, account conditions, and risk controls; approve within delegated authority and document recommendations for higher approval levels.
• Monitor assigned accounts and complete periodic reviews; recommend changes to limits, terms, holds, or account status based on changing risk indicators.
• Review receivables aging, contact past-due customers, secure and document payment commitments, and follow through to resolution.
• Investigate billing, deduction, payment-application, account-setup, and other customer issues; work with customers and internal teams on root causes and resolutions.
• Evaluate orders on credit hold and release within authority or escalate with a documented assessment and recommendation.
• Communicate with customers about balances, commitments, information requests, credit decisions, holds, account issues, and next steps.
• Partner with Sales, Customer Service, Cash Application, Accounting, Finance, and other teams to resolve issues, communicate risk, and facilitate responsible sales.
• Maintain accurate records and follow credit policies, controls, documentation standards, and escalation requirements.
• Prepare recurring reports and management information; participate in training and Credit operations improvement, system, and documentation projects.

Required qualifications

• Demonstrated analytical and critical-thinking ability to evaluate financial, payment, customer, or account information and form supportable conclusions.
• Ability and willingness to communicate professionally with external B2B customers and internal partners by telephone and in writing.
• Organization and prioritization skills for multiple responsibilities and changing business demands.
• Judgment with incomplete or conflicting information and ability to recognize when escalation is required.
• Working knowledge of basic accounting concepts, business math, accounts receivable, or related financial processes.
• Ability to maintain accurate, timely, appropriately documented records.
• Ability to learn systems, processes, portfolio requirements, and commercial-credit concepts and apply coaching and feedback.
• Ability to handle difficult collection, dispute, or risk conversations with professionalism, tact, and appropriate firmness.

Preferred qualifications

• Bachelor’s degree from a four-year college or university; the source says HR confirmation is needed on whether education should be required, preferred, or eligible for approved experience equivalency.
• Previous experience in commercial credit, accounts receivable, B2B collections, financial services, accounting, customer account management, or a related field.
• Experience reviewing commercial credit reports, trade or bank references, financial statements, payment history, or customer risk.
• Experience resolving complex customer account, billing, deduction, payment, or collection issues.
• Exposure to food, agriculture, manufacturing, wholesale distribution, or another business with significant commercial customer transactions.

Success indicators