Credit Analyst

Triple-S Steel • Houston, TX

27d • Onsite

About The Position

Triple-S Steel is seeking an experienced Credit Analyst to join its team at Intsel Steel in Houston, Texas. The role evaluates customer creditworthiness and financial risk, establishes appropriate credit limits, and manages collection activities while supporting the company's growth objectives. The Credit Analyst partners with Sales, Operations, and Finance to make sound credit decisions that balance business objectives and risk management.

Triple-S Steel is a family-owned steel service center with a growing national and global presence. The company describes its environment as collaborative and supportive, offering the stability of an established industry leader and opportunities for colleagues to grow, make an impact, and build long-term careers.

This position is 100% on-site, Monday through Friday, 8:00 a.m. to 5:00 p.m. It is classified as exempt.

Requirements

• At least 5 years of commercial credit and collections experience.
• Experience in a construction-related industry is required, such as steel, concrete, HVAC, building materials, roofing, industrial distribution, construction supply, or a similar industry serving contractors and construction companies.
• Experience evaluating customer creditworthiness and making credit recommendations.
• Strong analytical and problem-solving skills.
• Proficiency with Microsoft Office applications, particularly Excel and Outlook.
• Excellent written, verbal, and interpersonal communication skills.
• Ability to analyze financial statements and identify credit-related risks and trends.
• Strong understanding of commercial credit principles and collection practices.
• Ability to balance sound credit decisions with business and sales objectives.
• Strong negotiation, conflict resolution, and customer relationship management skills.
• Ability to communicate effectively with customers, sales teams, management, and external partners.
• Strong organizational skills and attention to detail.
• Ability to prioritize multiple tasks and meet deadlines.
• Self-motivated, adaptable, and capable of working independently.
• Strong critical-thinking and decision-making skills.

Nice To Haves

• Bachelor's degree in Finance, Accounting, Business, or a related field.
• Experience analyzing financial statements, including calculating and evaluating key financial ratios and performance indicators.
• Knowledge of construction lien laws, bond claims, creditor rights, and other credit protection tools.
• Experience managing accounts receivable portfolios and commercial collections.
• Experience working within an ERP system.

Responsibilities

• Maintain credit and collections records in the ERP system.
• Validate and approve sales tax exemptions.
• Analyze credit and financial information.
• Assign credit limits within a set authority matrix.
• Maintain sound credit policy while respecting Sales goals.
• Review daily orders and approvals multiple times.
• Communicate credit holds to Sales and customers.
• Conduct occasional customer visits.
• Handle extensive telephone and written communications.
• Enforce terms of sale and take collection action as needed.
• Handle sensitive issues involving key accounts.
• Resolve disputes and deductions.
• Prepare documentation to perfect bond claims and lien rights.
• Make recommendations to the Credit Manager.
• Prepare accounts receivable portfolio risk analysis reports.
• Participate in credit industry group meetings.
• Manage multiple priorities and deadlines efficiently.

Benefits

• Medical, dental, and vision coverage
• 401(k) with company match
• Paid time off (PTO) and paid holidays
• Paid parental leave
• Tuition reimbursement
• Company-paid life and disability insurance
• HSA/FSA options and Employee Assistance Program (EAP)
• Profit-sharing bonus eligibility

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed