Analyst, Credit

Tapestry•New York, NY

27d

About The Position

The Credit Analyst reviews the creditworthiness of new and existing customers and vendors to help reduce financial risk, support timely order release, and ensure compliance with established credit policies and controls. The role works with Accounts Receivable, Sales, Customer Service, Logistics, Operations, and Finance to evaluate credit exposure, resolve credit holds, support collections activity, and maintain accurate credit-related reporting under the direction of the Credit Manager.

Requirements

Knowledge of financial statement analysis, commercial credit practices, collections, and accounts receivable processes.
Strong analytical and problem-solving skills, including the ability to interpret payment trends, credit exposure, aging data, and commercial credit reports.
Sound judgment and the ability to escalate credit concerns appropriately while supporting business needs and customer relationships.
Strong communication and interpersonal skills, including the ability to explain credit requirements clearly and professionally to internal and external partners.
Ability to manage multiple priorities in a fast-paced environment while maintaining accuracy, confidentiality, and attention to detail.
Collaborative approach and willingness to support credit-related process improvements and reporting needs.
Proficiency with Microsoft Office Suite, particularly Excel, and comfort working with data, reports, and credit or accounts receivable systems.
Self-motivation and ability to work independently with appropriate direction from the Credit Manager.

Nice To Haves

Bachelor’s degree in Accounting, Finance, Business Administration, Economics, or a related field.
Three or more years of experience in Credit, Accounts Receivable, Credit and Collections, or Financial Analysis.
Experience reviewing financial statements, payment history, and commercial credit reports from providers such as Dun & Bradstreet, Experian, or Creditsafe.
Experience with SAP and credit, accounts receivable, collections, or reporting tools.
Understanding of order release, credit holds, credit limit reviews, payment terms, customer credit risk assessment, internal controls, audit requirements, and proper credit documentation.
Strong understanding of SOX compliance, internal controls, audit processes, and proper credit documentation.

Responsibilities

Review the creditworthiness of new and existing customers and vendors using financial statements, payment history, commercial credit reports, and relevant industry information.
Assist in establishing credit limits and risk mitigation measures, including prepayment terms and letters of credit for customers who do not qualify for open credit.
Monitor customer and vendor credit exposure and alert the Credit Manager to deteriorating credit conditions or emerging risks.
Review and release blocked sales orders daily in accordance with credit policies and approval requirements.
Partner with Accounts Receivable, Sales, Customer Service, Logistics, Operations, and Finance to resolve routine issues affecting collections, credit decisions, and order flow.
Monitor accounts receivable aging, chargeback aging, deductions, disputes, and collection activity, and prepare recurring credit reports.
Assist the Credit Manager with credit procedures and internal and external audit requests.
Support SAP and other ERP system updates, testing, reporting, and credit-related process improvements.
Perform journal entries on an ad hoc basis throughout the month.