Credit Analyst I

Manitowoc • Greencastle, PA

3d

About The Position

We are seeking a driven, analytical, and detail-oriented Credit Analyst to join our Credit & Collections team. In this role, you will evaluate customer creditworthiness, manage credit risk, and support business growth through sound credit decision-making. The ideal candidate will possess strong financial analysis skills, excellent communication abilities, and a commitment to balancing risk management with customer service. If you're looking to build a rewarding career in finance, credit, and risk management, we invite you to join our team and make a meaningful impact.

Requirements

• Associate degree and a minimum of one (1) year of experience in credit, collections, accounting, finance, or a related field; or High School Diploma/GED and a minimum of five (5) years of relevant credit or collections experience.
• Strong analytical and problem-solving skills with the ability to evaluate financial information and credit risk.
• Proficiency with Microsoft Excel and business systems used for customer account management.
• Excellent verbal and written communication skills.
• Ability to manage multiple priorities in a fast-paced environment.
• Demonstrated ability to handle customer and stakeholder conflicts in a professional manner.
• Strong collaboration skills and willingness to support departmental and organizational goals.

Nice To Haves

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field preferred.

Responsibilities

• Release customer credit holds after reviewing account status, payment history, and overall credit exposure.
• Establish and maintain new customer accounts, including the review of credit applications and supporting documentation.
• Evaluate and process customer overline requests while ensuring compliance with company credit policies and risk guidelines.
• Prepare and submit credit limit increase recommendations and supporting write-ups for management approval.
• Analyze customer financial statements, credit reports, credit reports, payment performance, and other risk indicators to assess creditworthiness.
• Monitor customer credit limits and account exposure to identify potential risks and recommend appropriate actions.
• Collaborate with Sales, Customer Service, and Collections teams to resolve credit-related issues and support profitable business growth.
• Maintain accurate customer records, credit documentation, and account information within company systems.
• Review customer payment trends and financial performance to identify deteriorating credit conditions and recommend mitigation strategies.
• Assist in managing portfolio risk by proactively monitoring assigned accounts and supporting collection efforts when needed.
• Ensure compliance with company policies, internal controls, and established credit procedures.
• Support continuous improvement initiatives related to credit processes, reporting, and risk management practices.

Benefits

• Competitive compensation and comprehensive benefits package beginning on day one.
• 401(k) with company-sponsored retirement benefits.
• Continuing education, professional development, and tuition reimbursement opportunities.
• Paid vacation and holidays.
• Paid parental leave.
• Career growth opportunities within a stable and growing organization.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: Associate degree