Credit Analyst

Position description

Credit analysis

• Review and approve credit applications within delegated authority limits.
• Analyze financial statements, score risk, and aggregate exposure across multiple entities.
• Recommend credit terms and limits for high-value or high-risk accounts.
• Review credit limits every 6–12 months or after trigger events.
• Support legal and management teams with escalated credit or lien issues.

Portfolio monitoring and reporting

• Analyze accounts receivable aging and DSO performance and identify exposure concentrations.
• Track and report portfolio credit KPIs in Power BI and Excel dashboards.
• Analyze root causes of delinquencies or credit losses and contribute to bad debt allowance and reserve calculations.
• Oversee documentation accuracy for SOX and audit compliance.

Systems and collaboration

• Maintain customer master data in Microsoft Dynamics 365 and resolve duplicate accounts across operating companies.
• Support business-unit integrations and system migrations; build and enhance Power BI reports and credit dashboards.
• Coordinate with operations, collections, and sales to manage risk and resolve disputes.
• Mentor junior credit analysts, assist with cross-functional training, present portfolio analysis to leadership, and contribute to controls testing and process improvement.

Education and experience

• At least five years of experience in credit analysis, financial review, or a related accounting or finance role.
• A bachelor’s degree is preferred.
• Strong analytical skills and ability to interpret financial statements.
• Strong understanding of multi-entity exposure aggregation and risk reporting.
• Experience supporting SOX compliance, audits, and process improvement projects.

Systems and competencies

• Proficiency with Microsoft Dynamics 365, Finance & Operations, Excel, and Outlook is required.
• Proficiency in Microsoft Office, including Outlook, Excel, PowerPoint, and Word, is required.
• Experience with ticketing or case management systems is preferred.
• The posting calls for strong communication, interpersonal, presentation, problem-solving, organization, and attention-to-detail skills.

Additional expectations