Credit Analyst
About The Position
This is how you WOW: Credit Extension: Evaluate new credit applications by analyzing business credit reports, trade references, and bank data to determine appropriate credit limits and payment terms. Financial Statement Review: Conduct analyses of customer balance sheets, income statements, and cash flow statements for high-exposure accounts to assess liquidity, solvency, and overall financial health. Portfolio Risk Management: Perform systematic credit reviews for existing accounts, adjusting limits based on payment history, changing financial conditions, or updated risk profiles. Utilization of Modern Tools: Leverage credit reporting agencies (e.g., Dun & Bradstreet, Experian Business, CreditSafe, NACM) and internal ERP data to automate and refine the scoring process. Modern Credit Methodologies: Apply predictive modeling and risk-based strategies to streamline the order cycle and minimize Bad Debt Expense. Cross-Functional Collaboration: Partner with the Sales and Customer Success teams to find creative solutions for marginal accounts, ensuring a balance between risk mitigation and revenue optimization.
Requirements
- Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- 3+ years of experience in B2B credit analysis or commercial lending.
- Proficiency in MS Excel (VLOOKUPs, Pivot Tables) and experience with modern ERP systems (e.g., SAP, Oracle, NetSuite) or credit management software.
- Strong ability to interpret complex financial data and translate it into actionable credit recommendations.
- Ability to explain credit decisions clearly to both internal stakeholders and external customers.
Responsibilities
- Evaluate new credit applications by analyzing business credit reports, trade references, and bank data to determine appropriate credit limits and payment terms.
- Conduct analyses of customer balance sheets, income statements, and cash flow statements for high-exposure accounts to assess liquidity, solvency, and overall financial health.
- Perform systematic credit reviews for existing accounts, adjusting limits based on payment history, changing financial conditions, or updated risk profiles.
- Leverage credit reporting agencies (e.g., Dun & Bradstreet, Experian Business, CreditSafe, NACM) and internal ERP data to automate and refine the scoring process.
- Apply predictive modeling and risk-based strategies to streamline the order cycle and minimize Bad Debt Expense.
- Partner with the Sales and Customer Success teams to find creative solutions for marginal accounts, ensuring a balance between risk mitigation and revenue optimization.
Benefits
- Medical, Dental, and Vision plan
- Paid Holidays (11 per year)
- Flexible PTO for exempt employees; generous PTO for non-exempt employees
- HAS, FSA and 401K matching plans
- Paid sick time, as well as short and long-term disability insurance
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Number of Employees
5,001-10,000 employees
