Credit Analyst

Cemstone•Mendota Heights, MN

1d•$50,000 - $70,000

About The Position

Cemstone® has become synonymous with high quality products and unparalleled service in the ready-mix concrete industry in the upper midwest. Our reputation is reflected in the structures we’ve helped create and our long-held and long-practiced commitment to our core values. Here's your opportunity to join an amazing family-owned business that has been around for nearly 100 years! What You'll Do: The Credit Analyst is responsible for assessing customer creditworthiness and extending lines of credit, managing accounts receivable risk, and executing effective collection strategies to ensure timely payment. This role partners closely with Sales, Shared Services, and Customer Service to minimize credit exposure, resolve billing discrepancies, and maintain strong customer relationships while meeting company cash‑flow objectives and other management directives.

Requirements

5+ years of experience in credit, collections, or accounts receivable required.
Bachelor’s degree in Finance, Accounting, Business, or related field—or equivalent experience required.

Nice To Haves

Previous credit and collections experience in the construction industry preferred.
Knowledge of lien laws, credit compliance, and UCC filings preferred.
Intermediate knowledge of Microsoft Excel preferred.
Experience with NetSuite preferred.
Experience with Experian or Creditsafe preferred.
Experience with Microsoft Teams preferred.
Strong analytical and problem‑solving skills preferred.
Excellent communication and interpersonal skills to develop and maintain positive working relationships with internal and external customers preferred.
High attention to detail and strong organizational skills preferred.
Proficiency in Microsoft Office applications preferred.

Responsibilities

Review and analyze new and existing customer credit applications.
Perform credit risk assessments, scoring, and analysis.
Recommend and establish appropriate credit limits and payment terms, per company policy.
Monitor customer credit exposure and escalate high‑risk accounts.
Proactively manage a portfolio of accounts to ensure timely collection of receivables.
Investigate and resolve past‑due balances, short payments, and disputed invoices.
Communicate professionally with customers via phone, email, and written correspondence.
Negotiate payment plans when necessary while adhering to company policies.
Document all collection activities in the ERP system.
Partner with Sales to communicate and evaluate credit risks for all customers.
Provide insights to leadership regarding customer risks and collection trends.
Ensure compliance with internal credit policy and external regulations.
Participate in process improvement initiatives to reduce DSO and bad‑debt exposure.
Communicate professionally and effectively to foster relationships and collaboration to achieve positive results.
Add and maintain customer records and documentation in ERP and linked customer database systems.