Credit Analyst

SMC•Noblesville, IN

11d•Onsite

About The Position

The Credit Analyst will be responsible for evaluating the creditworthiness of new and existing customers, mitigating financial risk, and supporting healthy revenue growth. This involves conducting financial analysis, evaluating credit applications, and establishing appropriate credit limits. This role works closely with Collection Specialist and internal teams to resolving disputes with customers. This role plays a vital role in protecting the company’s assets, optimizing cash flow, and maintaining strong customer relationships.

Requirements

Associate’s degree in Accounting, Finance, Business Administration, or a related field.
2-4 years of experience in credit analysis, accounts receivable, or a related financial role preferred.
Proficient in Microsoft Excel and accounting software.
Strong analytical skills with attention to detail and accuracy in financial evaluations and reporting.
A "get things done" and "do more with less" attitude, with a relentless focus on efficiency and results.
Strong communication and problem-solving skills for interacting with customers and internal teams.
Commitment to continuous learning and skillset development.

Responsibilities

Analyze customer financial statements, credit reports, and payment history to assess creditworthiness and determine appropriate credit limits.
Review and approve credit applications in accordance with company policies and risk tolerance.
Monitor existing customer accounts for changes in credit risk and recommend adjustments to credit terms as needed.
Collaborate with Collection team to support resolution of high-risk or deliquent accounts and disputes with customers.
Maintain accurate and up-to-date credit files and tax exemption certificates for audit and compliance purposes.
Partner with internal teams to support strategic account decisions and ensure alignment on credit policies.
Prepare and present credit risk reports and accounts receivable aging reports to management, highlighting trends and potential exposure.
Support month-end and year-end closing processes by providing accurate accounts receivable data and reconciliation support.
Contribute to process improvements in credit policies, procedures, and scoring models.
Support financial projects and initiatives as assigned by the supervisor, contributing to cross-functional collaboration and timely execution.