Lead Associate, Credit Operations

Support day-to-day execution of credit operations and established credit procedures

Review and process new customer credit applications and existing account requests

Evaluate customer creditworthiness using payment history, credit reports, financial information, and other available data

Recommend or approve credit limits and account terms within established authority levels

Monitor customer credit exposure and identify accounts requiring additional review

Review requests for credit-limit changes, account releases, credit holds, and other account actions

Handle complex or higher-risk credit requests and escalate significant concerns as appropriate

Ensure customer account information and credit documentation remain accurate and current

Maintain consistent application of established credit policies and procedures

Manage assigned accounts and support collection of outstanding customer balances

Monitor aging, delinquency, past-due balances, and payment commitments

Contact customers regarding outstanding balances and coordinate appropriate resolution

Research and resolve payment discrepancies, deductions, disputes, and account issues

Partner with customers and internal teams to resolve issues affecting payment

Identify higher-risk or significantly past-due accounts and recommend appropriate action

Support efforts to reduce delinquency, improve cash flow, and minimize bad-debt exposure

Escalate complex collection or account issues to Credit leadership when necessary

Serve as a day-to-day resource for Credit Operations team members

Provide guidance regarding credit procedures, account issues, collections, and system processes

Help coordinate daily workload and priorities based on customer and business needs

Assist team members with complex transactions, customer situations, and problem resolution

Support onboarding and training of new Credit Operations employees

Assist with cross-training and knowledge sharing across the team

Reinforce established procedures, service expectations, and documentation standards

Identify recurring questions or training needs and communicate them to Credit leadership

Lead by example through accuracy, professionalism, customer service, and accountability

Partner with Sales and branch teams to resolve customer credit and account concerns

Serve as an escalation resource for more complex customer inquiries

Communicate account status, credit decisions, payment requirements, and next steps clearly

Support resolution of credit holds and other issues that may affect customer orders

Build productive relationships with customers and internal business partners

Balance customer needs and business opportunities with appropriate credit-risk considerations

Provide guidance to internal teams regarding credit policies, procedures, and account requirements

Monitor assigned accounts for changes in payment behavior or credit risk

Review available financial and credit information to identify emerging concerns

Recommend changes to credit limits, terms, or account status when appropriate

Maintain documentation supporting credit decisions and account actions

Escalate significant customer or portfolio risks according to established procedures

Support account reviews and other risk-management activities

Maintain confidentiality of customer financial and business information

Maintain accurate credit, collection, and customer account documentation

Prepare and support recurring reports related to aging, collections, credit exposure, and account status

Track collection activities, customer commitments, and outstanding account issues

Review account information for completeness and accuracy

Assist leadership with identifying trends or accounts requiring additional attention

Support audits and other documentation requests as needed

Identify opportunities to improve credit workflows, documentation, customer service, and operational efficiency

Support standardized procedures and consistent execution across the Credit Operations team

Assist with testing and implementation of system or process enhancements

Recommend solutions for recurring account, collection, or workflow issues

Participate in continuous improvement initiatives and special projects

Support implementation of new credit processes, tools, and technology

Perform additional duties as assigned

Strong knowledge of commercial credit, accounts receivable, and collections processes

Ability to evaluate customer credit information and identify potential risk

Strong analytical and problem-solving skills

Ability to independently manage complex customer accounts and credit issues

Strong customer service and relationship-management abilities

Excellent written and verbal communication skills

Ability to provide guidance and support to other team members

Strong organizational and time-management abilities

Ability to manage multiple accounts, deadlines, and priorities simultaneously

Excellent attention to detail and commitment to accuracy

Sound judgment and ability to appropriately escalate risk

Collaborative approach when working with Sales, Finance, branch teams, customers, and Credit leadership

Strong sense of ownership, accountability, and follow-through