Accounts Receivable & Credit Analyst

M-D Building Products•Oklahoma City, OK

7d•Hybrid

About The Position

The Accounts Receivable & Credit Analyst supports the organization's credit and accounts receivable functions through credit risk analysis, collections, deduction resolution, payment application, account reconciliation, and customer account management. The role evaluates new and existing customer creditworthiness, monitors accounts receivable activity, and recommends credit limits and account status while supporting timely order release decisions. It contributes to improving cash flow, reducing Days Sales Outstanding (DSO), mitigating credit risk, and maintaining strong customer relationships. The analyst works closely with Sales, Customer Service, Distribution, Finance, customers, and other internal stakeholders to resolve account issues and ensure accurate, timely financial information. This position is primarily performed in a professional office environment and requires prolonged sitting and computer work, along with regular use of standard office equipment. It involves frequent written and verbal communication. The role may operate under a hybrid work arrangement, with work performed in the office and remotely based on company requirements.

Requirements

High school diploma or equivalent.
Three to five years of accounts receivable, credit, collections, or related financial experience.
Experience analyzing customer accounts, collections, deductions, and credit information.
Experience performing account reconciliations and researching payment discrepancies.
Experience with Microsoft Excel and Word.
Strong analytical and problem-solving skills, including the ability to evaluate credit risk and customer account activity.
Knowledge of accounts receivable, credit, collections, cash application, and account reconciliation practices.
Ability to analyze credit applications, credit references, payment history, aging, and other information to assess customer creditworthiness.
Intermediate Microsoft Excel skills and the ability to organize, analyze, and report financial and customer account data.
Strong organizational and time-management skills, including the ability to manage a high-volume workload and competing priorities.
Strong attention to detail and commitment to accuracy.
Excellent written and verbal communication skills.
Strong customer service and interpersonal skills, including the ability to communicate effectively about past-due balances, disputes, and credit concerns.
Ability to exercise sound independent judgment within established policies and approval authority.
Ability to recognize account trends, identify potential risks, and escalate concerns appropriately.
Ability to prepare and communicate financial analyses, collection metrics, KPIs, and other information to department leadership.
Ability to work independently and contribute effectively within a collaborative team environment.
Ability to learn and effectively use Oracle, customer portals, tax systems, and other department-specific technology.

Nice To Haves

Associate's or bachelor's degree in Accounting, Finance, Business Administration, or a related field.
Experience with ERP systems such as Oracle.
Experience working with customer portals, lockbox systems, or electronic payment systems.
Knowledge of customer sales tax documentation and exemption requirements.

Responsibilities

Process and analyze new customer credit applications by reviewing financial and credit information, contacting trade and bank references, and conducting due diligence and fraud-prevention activities.
Evaluate customer creditworthiness and recommend credit limits, account terms, and overall credit risk to department leadership.
Perform periodic credit reviews of existing customers and identify changes in payment trends or risk exposure that may require further review or action.
Monitor accounts receivable aging, payment history, credit exposure, and account activity to identify past-due balances, delayed payments, deductions, and other irregularities.
Contact customers about past-due invoices and unresolved account issues while maintaining professional, productive relationships.
Research, analyze, and resolve customer deductions, disputes, short payments, and account discrepancies.
Collect, apply, and allocate customer payments and perform account reconciliations to maintain accurate account balances.
Review customer orders on credit hold and determine whether to release them within established authority and company credit policies; escalate releases requiring additional authorization.
Support new customer account setup and ensure required credit, billing, and tax documentation is complete and accurate.
Manage and maintain customer sales tax documentation, including exemption certificates and other required tax information.
Use Oracle, customer portals, lockbox systems, and other financial tools to research transactions and maintain accurate customer account information.
Develop and monitor accounts receivable and collection metrics, KPIs, and trend analyses to identify risks and opportunities for improvement.
Support cash flow forecasting by providing insight into expected customer payments, past-due balances, and collection activity.
Identify opportunities to improve credit, collections, and accounts receivable processes and provide data-supported recommendations to department leadership.
Prepare reports, analyses, and presentations for leadership regarding credit risk, collections, customer accounts, and departmental performance.
Partner with Sales, Customer Service, Distribution, Finance, and other internal stakeholders to resolve customer issues and facilitate timely order processing and payment.
Support department leadership with special projects, reporting, process improvements, and other assignments as needed.