Credit Analyst

Duties and responsibilities

• Analyze and approve credit applications within assigned authority limits; review financial statements, credit reports, trade references, and payment history.
• Establish, modify, or recommend credit limits and payment terms; monitor customer financial condition and payment performance.
• Manage customer accounts and collect outstanding receivables through overdue-invoice follow-up and negotiated payment arrangements.
• Investigate billing, pricing, deduction, and payment disputes; prioritize high-risk accounts using aging reports.
• Coordinate account escalations, holds, and release decisions according to company policy.
• Maintain account notes and collection activity in ERP or CRM systems.
• Report on aging, collections, bad-debt exposure, and credit risk; assist with reserve analysis and write-off recommendations.
• Support cash application teams with unapplied or disputed payments.
• Partner with Sales, Customer Service, and Operations to resolve issues and balance growth opportunities with credit risk.

Required qualifications

• A bachelor’s degree in Finance, Accounting, Business Administration, or a related field is preferred, or 2–5 years of relevant credit, collections, accounts receivable, or financial-analysis experience.
• Strong understanding of credit risk assessment and collection practices.
• Proficiency in Excel, including pivot tables, VLOOKUP/XLOOKUP, and reporting tools.
• Experience with ERP systems and CRM software.
• Strong written and verbal communication, analytical, problem-solving, and negotiation abilities.

Preferred qualifications

• Experience in wholesale distribution, manufacturing, construction, or HVAC distribution is preferred.

Work environment

• Hybrid schedule with at least two days per week in the office or branch.
• Work hours are 10 a.m. to 7 p.m. Eastern Time.

Physical demands