Credit Analyst

Nichiha•Johns Creek, GA

9h•Onsite

About The Position

The Credit Analyst is a customer-facing role responsible for evaluating, establishing, and maintaining customer credit accounts while minimizing financial risk to the organization. This position plays a key role in customer onboarding, credit analysis, and ongoing account maintenance, including credit limit recommendations, financial review, and compliance with company credit policies.

Requirements

Bachelor’s degree in Finance, Accounting, Business, or related field (or equivalent experience).
3–5+ years of experience in credit analysis, accounts receivable, or a related field.
Excellent written and verbal communication skills, with the ability to interact across all levels of the organization, including senior leadership.
Strong analytical and problem-solving skills with attention to detail.
Customer-focused mindset with the ability to manage sensitive financial discussions professionally.
Ability to prioritize, organize, and manage multiple responsibilities independently.
Strong teamwork and collaboration skills.
Solid understanding of financial statements, including balance sheets, income statements, and cash flow analysis.
Experience with credit reporting tools and financial analysis.
Knowledge of credit insurance processes and providers (e.g., Euler Hermes).
Familiarity with sales tax documentation, including exemption certificates.
Understanding of legal and financial documents such as guarantees, security agreements, and lien processes.
Experience with ERP systems (preferably IFS).
Proficiency in Microsoft Office, especially Excel.

Responsibilities

Serve as the primary point of contact for the credit department inbox, responding to internal and external inquiries in a timely and professional manner.
Evaluate and establish new customer accounts, including credit analysis, financial review, and credit limit recommendations.
Gather and analyze financial statements, credit reports, and trade references to assess customer creditworthiness and minimize risk.
Set up and maintain accurate customer records within the ERP system (IFS).
Request and manage approvals for new accounts and credit limits in accordance with company policy.
Apply for and manage credit insurance coverage, including working with providers (e.g., Euler Hermes) and filing claims when necessary.
Collect and maintain sales tax exemption certificates and required customer documentation.
Communicate directly with customers to obtain required documentation, resolve discrepancies, and support account setup.
Monitor statement generation to ensure customers receive accurate invoices and resolve delivery issues (e.g., returned or “kicked back” emails).
Maintain accurate and organized customer credit files, ensuring all information is current and complete.
Process customer payments, including credit card transactions when needed.
Collaborate with Sales, Customer Service, Accounting, and leadership to support customer onboarding and account management.
Participate in regular credit team meetings and provide updates on account status and risk exposure.
Assist the Credit Manager with reporting, credit insurance updates, and process improvements.
Support lien waiver processing and verification activities.
Serve as backup for collections activities and assist the Collections & Risk Analyst as needed.
Ensure all activities are conducted in compliance with company credit policies and procedures.