Credit Analyst

Meriton • Irving, TX

35d • Hybrid

About The Position

The Credit Analyst serves as a senior individual contributor responsible for performing complex financial analysis, managing high-risk accounts, and providing oversight for credit risk management and customer master data integrity across multiple business units. This role includes credit approvals, portfolio analytics, and performance reporting to support sound financial decision-making and compliance with company policies. The Senior Credit Analyst acts as a subject matter expert and mentor to peers, driving process improvements and risk reduction initiatives across the credit function.

Requirements

• Bachelor’s degree preferred.
• Bilingual capability strongly preferred.
• 5+ years of experience in credit analysis, financial review, or related accounting/finance role.
• Strong analytical skills with ability to interpret financial statements.
• Proficiency with Microsoft Dynamics 365, F&O, Excel (pivot tables, xlookups), and Outlook.
• Experience with ticketing or case management systems preferred.
• Strong understanding of multi-entity exposure aggregation and risk reporting.
• Experience supporting SOX compliance, audits, and process improvement projects.
• Must be proficient in the Microsoft Office Suite, including Outlook, Excel, PowerPoint and Word
• Elevated professionalism which demonstrates tempered emotions, empathy, positive intent, and integrity in all interactions.
• Excellent communication and interpersonal skills with the ability to build strong relationships across all levels of the organization. Strong verbal and written communication skills
• Ability to effectively communicate and present information one-on-one and in group situations, and outside of the company.
• Ability to solve practical problems and manage a variety of variables in situations and with problems where only limited information or standardization exists
• Strong attention to detail
• Ability to work in a fast-paced environment
• Must be a self-starter, independent, and strong organization skills, with the ability to manage multiple priorities and deadlines at any given time
• Ability to establish and build effective working relationships with colleagues and staff. Acceptance of a variety of lifestyles, behaviors, and cultural, and spiritual practices

Nice To Haves

• Bilingual capability strongly preferred.
• Experience with ticketing or case management systems preferred.

Responsibilities

• Review and approve credit applications within delegated authority limits.
• Conduct in-depth financial statement analysis, risk scoring, and exposure aggregation across multiple entities.
• Recommend credit terms and limits for high-value or high-risk accounts.
• Ensure credit limit reviews are completed every 6–12 months or upon trigger events.
• Support legal and management teams in escalated credit or lien issues.
• Analyze A/R aging and DSO performance; identify exposure concentrations.
• Track and report portfolio-level credit KPIs in Power BI and Excel dashboards.
• Perform root cause analysis of delinquencies or credit losses.
• Provide inputs for bad debt allowance and reserve calculations.
• Oversee compliance with SOX and audit standards for documentation accuracy.
• Maintain integrity of customer master data within Microsoft Dynamics 365.
• Identify and resolve duplicate accounts across operating companies.
• Support integration of new business units or system migrations.
• Build and enhance analytical reports and credit dashboards in Power BI.
• Coordinate with operations, collections, and sales to manage customer risk and resolve disputes.
• Mentor junior credit analysts and assist in training cross-functional staff.
• Participate in credit committee meetings and present portfolio analysis to leadership.
• Contribute to internal controls testing and process improvement initiatives.
• Regular, consistent and necessary attendance to meet the needs of the business.
• Performs other duties and responsibilities as assigned.
• Must conduct self in an ethical, legal, and responsible manner at all times.
• Must adhere to the policies, principles, and guidance within the Employee Handbook and Code of Conduct.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior