Associate Credit and Collections Analyst

Oshkosh•Hagerstown, MD

About The Position

The Associate Credit and Collections Analyst provides credit risk evaluation and accounts receivable support in alignment with organizational business objectives. The role assists in evaluating the creditworthiness of prospective and existing commercial customers, conducting basic financial statement analyses, and carrying out daily collection activities to optimize Days Sales Outstanding (DSO) and cash flow. Working under standard operating procedures and established authority limits, the Associate helps balance sales enablement with risk mitigation, supports compliance with corporate credit policies and internal controls, and participates in continuous improvement initiatives. The role partners with internal sales and customer teams to gather credit data and helps prepare credit memorandums and approval packages for management review. It supports order reviews and credit hold processing, manages assigned accounts receivable portfolios, contacts customers about past-due balances, and assists with cash-flow and DSO tracking. The position also supports reporting, documentation, continuous improvement, and standard work across enterprise credit and ERP platforms. It is performed during routine business hours, with infrequent overtime or month-end cyclical demands.

Requirements

Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.
Knowledge of basic finance, accounting, and commercial credit principles.
Proficiency in Microsoft Office Suite, including Excel, Word, PowerPoint, and SharePoint.
Strong verbal and written communication skills and the ability to interface professionally with internal teams and external customers.

Nice To Haves

Familiarity with financial statement analysis, commercial credit evaluations, or B2B collections.
Exposure to enterprise ERP systems or automated credit/receivables platforms, such as AS400 or FIS GetPaid.
Familiarity with U.S. and international credit, banking, or trade regulations.

Responsibilities

Partner with internal sales and customer teams to gather credit data and assist with credit investigations using bank and trade references, credit bureaus, and public records.
Prepare basic credit memorandums and credit approval packages for management review.
Assist in reviewing customer account status and releasing credit holds on whole goods and parts orders in accordance with approval matrices and credit policies.
Assist in managing assigned customer accounts receivable portfolios; contact customers about past-due balances, confirm invoice receipt, and facilitate timely payment resolution.
Support receivable turnover goals and DSO targets; assist with credit card transactions, billing discrepancy reconciliation, and titling documentation.
Synthesize accounts receivable and credit data to assist in preparing monthly aging reports, credit limit reviews, and delinquency trends for management decision support.
Develop an understanding of the Continuous Improvement Management System (CIIMS) and support continuous improvement projects within credit and shared services.
Follow standard work instructions across enterprise credit and ERP platforms, including AS400 and FIS GetPaid; identify customer-friendly system improvements and shared-service enhancements.
Continuously grow knowledge and understanding of People First competencies to engage, develop, and connect team members.
Interact with commercial customers, banking references, and credit bureaus to gather credit information, resolve account queries, and request payments.