Credit Analyst

Carrier Enterprise•Carrollton, TX

11d

About The Position

Carrier Enterprise is seeking an experienced Credit Manager to oversee a $5M+ commercial accounts receivable portfolio, drive collection efforts, evaluate customer credit risk, and support profitable sales growth while minimizing bad debt exposure. This role partners closely with sales, branch leadership, and customers in a B2B environment to manage credit decisions, collections, bonds and liens, account aging, and overall credit and collections performance. Carrier Enterprise (CE) is a premier national distributor specializing in residential and light commercial Heating, Ventilation, and Air Conditioning (HVAC) products, parts, and supplies. We serve licensed HVAC/R dealers and contractors, ensuring top-quality HVAC solutions across 28 states, Puerto Rico, the Caribbean, Latin America, Mexico, and Canada. With over 200+ locations, we are well-positioned to meet or exceed our customers' HVAC/R needs. We are seeking an Entry-Level Credit Analyst to join our dynamic team. The ideal candidate will bring experience in B2B collections, including both outbound and inbound calls, and a keen interest in growing within the credit and collections field. As a Credit Analyst, you will be responsible for managing a portfolio of accounts, performing daily collections activities, and ensuring compliance with company credit policies. You will also collaborate with internal teams, including credit, sales, and operations, to resolve account discrepancies and improve overall financial performance.

Requirements

Prior experience in B2B collections or a related role, including handling a high volume of outbound and inbound calls (required).
Strong communication and interpersonal skills with a customer-focused attitude.
Ability to manage multiple priorities and deadlines effectively.
Ability to analyze financial data, identify trends, and develop effective solutions.
Goal-oriented with a focus on achieving targets related to collections and accounts receivable.
Proficient in Microsoft Office, especially Excel, Word, and Outlook.

Nice To Haves

Bachelor’s degree in finance, Accounting, or a related field (preferred).
Familiarity with AR systems and order management processes is a plus.

Responsibilities

Manage a portfolio of accounts to achieve monthly and quarterly collections goals.
Conduct regular follow-ups on accounts aged over 30 days, with a focus on accounts 90+ days past due, aiming to reduce balances in the over-90-day category to less than 2%.
Make outbound and take inbound calls to resolve outstanding balances, maintain customer relationships, and ensure timely payment.
Assist in maintaining monthly targets for Days Sales Outstanding (DSO), aging, unapplied cash, and Miscellaneous credit balance reductions.
Document all interactions, disputes, and resolutions using external platforms.
Develop action plans for aged accounts over 90 days and escalate potential bad debt to the Credit Manager.
Ensure compliance with all company credit policies and procedures, as well as internal and external audits.
Assist Credit Managers with special projects as needed, including tax adjustments, credit reviews, and job account setup.
Participate in ongoing training to continuously improve credit and collections skills and knowledge.
Ensure the timely and accurate processing of payments, including Electronic Funds Transfer (EFT) and check deposits.
Maintain strong relationships with customers and internal teams to ensure issues are handled professionally and promptly.
Other Duties as Assigned.
Ensure adherence to all safety practices and guidelines within the workplace.
Demonstrate integrity and follow all company policies and ethical guidelines.