Cred And Collections Analyst

Aston Carter•Lincoln, NE

1d•$18 - $22•Onsite

About The Position

The Credit and Collections Analyst manages a dedicated portfolio of business-to-business customers, balancing credit risk assessment with proactive collections to maintain a healthy accounts receivable position. This role analyzes credit information, applies effective credit and collection procedures, and partners closely with customers and internal teams to ensure timely payments and minimize bad debt. The position offers strong benefits, flexible onsite hours, and clear opportunities for long-term growth within a stable, high-performing organization.

Requirements

Minimum of 2 years of experience in credit, collections, accounts receivable, accounting, or tax, or a relevant combination of these areas.
Experience in true collections, specifically business-to-business (B2B) collections, rather than call center consumer collections.
Ability to manage a defined portfolio of customers and focus on achieving portfolio performance targets, such as maintaining 80% current status.
Proficiency with Microsoft Word and Excel, including creating reports and using pivot tables and VLOOKUP functions.
General accounting knowledge, including a clear understanding of debits and credits.
Ability to read and interpret credit reports to assess customer risk and support credit decisions.
Strong customer service skills, with experience communicating with customers via phone and email.
Demonstrated critical thinking and problem-solving skills in a financial or credit-related environment.
Ability to manage oneself effectively, working independently while meeting deadlines and performance expectations.
Capacity to handle a high-stress role with a large portfolio and significant dollar exposure.
Strong time management skills with the ability to prioritize tasks in a fast-paced environment.
High attention to detail and accuracy in managing accounts, documentation, and follow-up.
Consistent follow-through on commitments to customers and internal stakeholders.
High level of professionalism in communication and conduct.
High school diploma or equivalent.

Nice To Haves

College degree or coursework in business, accounting, or a related field, especially for candidates seeking long-term growth within the company.
Openness to candidates who are recent college graduates with limited experience but a strong interest in credit, collections, or accounting.
Experience with cash application processes or related accounting functions.
Comfort working with metrics and performance-based goals, including participating in team competitions tied to results.
Ability to apply broader business knowledge, including understanding interest rates and how they impact customers and accounts.
Strong interpersonal skills and a personality that fits well within a collaborative, fun, and high-performing team.
Willingness to learn through hands-on training, shadowing, and peer support rather than formal classroom-style training.
Desire for long-term career growth, with interest in progressing to senior roles within the team or moving into other teams within the organization.

Responsibilities

Establish and maintain effective credit procedures for assigned business-to-business customers.
Review and analyze credit data from sources such as credit reports, credit references, internal payment history, and input from sales personnel.
Interpret credit reports to assess customer risk and make informed credit decisions without needing to review full financial statements.
Maintain and execute effective collection policies and procedures focused on ensuring the quality of trade accounts receivable.
Manage a defined portfolio of approximately 300–400 customers with a total exposure of around $5 million.
Drive portfolio performance to maintain at least 80% of accounts in a current status.
Monitor overall accounts receivable aging for the assigned group and take timely action on past due accounts.
Conduct outbound and inbound customer communications via phone and email to resolve past due balances and payment issues.
Provide professional and responsive customer service while addressing billing questions, disputes, and payment arrangements.
Perform basic accounting-related tasks, including understanding and applying concepts such as debits and credits and cash application impacts.
Analyze customer and portfolio data to identify trends, risks, and opportunities for improvement in credit and collections performance.
Create, update, and interpret reports in Excel, including the use of pivot tables and VLOOKUP, to track portfolio metrics and results.
Collaborate with internal teams, including sales and accounting, to resolve complex account issues and support business objectives.
Apply business knowledge, including concepts such as interest rates and payment terms, to structure practical solutions for customers.
Exercise critical thinking and problem-solving skills to handle escalated or complex accounts and to recommend appropriate actions.
Manage workload independently, organizing daily activities to meet deadlines and performance metrics in a high-stress, results-driven environment.
Prioritize tasks effectively to handle a large volume of accounts while maintaining accuracy and follow-through.
Maintain strong attention to detail in documenting account actions, updating systems, and tracking commitments from customers.
Demonstrate professionalism while contributing positively to a fun, team-oriented culture that values competitions and recognition.
Participate in peer-led training and shadowing activities to learn processes, tools, and best practices.
Support continuous improvement of credit and collections processes by sharing feedback and ideas with the team.