Credit/collections Specialist

Aston Carter•Lincoln, NE

5d•$18 - $22•Onsite

About The Position

This role combines business-to-business credit analysis and portfolio-based collections to ensure a high-quality trade accounts receivable portfolio. You will manage a defined customer portfolio, evaluate creditworthiness using multiple data sources, and execute effective collection strategies to maintain strong cash flow and minimize risk. This position offers the opportunity to build a long-term career in a stable organization with a collaborative, high-performing, and fun team culture.

Requirements

Minimum 2 years of experience in credit, collections, accounts receivable, accounting, or tax, or a related experience, or a relevant college degree with strong interest in long-term growth.
Experience in business-to-business (B2B) credit and collections or closely related financial roles.
Demonstrated ability to manage a portfolio of accounts rather than working in a high-volume call center environment.
Ability to read and interpret credit reports to support credit decisions; no requirement to read full financial statements.
Proficiency with Microsoft Word and Excel, including the ability to create reports and use pivot tables and VLOOKUP functions.
General accounting knowledge, including a clear understanding of debits and credits.
Strong customer service skills, with experience communicating with customers via phone and email.
Solid business knowledge, including understanding of basic concepts such as interest rates.
Well-developed critical thinking and problem-solving skills applied to account and credit issues.
Professional demeanor with the ability to contribute positively to a fun, collaborative team culture.
Ability to manage oneself independently, including organizing daily work without constant supervision.
Capacity to handle a high-stress role with competing priorities and performance expectations.
Strong time management and prioritization skills to effectively oversee a large account portfolio.
High attention to detail, ensuring accuracy in data, reports, and account follow-up.
Consistent follow-through on commitments, action items, and customer agreements.
High level of reliability and commitment to long-term career growth within a single organization.
High school diploma or equivalent.

Nice To Haves

College degree in business, accounting, finance, or a related field, especially for candidates seeking long-term growth.
Experience in accounts receivable or accounting roles that involved credit, collections, or cash application responsibilities.
Comfort working in a metric-driven environment where performance is measured by portfolio currency and other key indicators.
Ability to build positive relationships with internal teams such as sales and accounting while upholding credit policies.
Strong interpersonal skills and a personality that fits well with a collaborative, energetic team.
Interest in growing into senior credit and collections roles or exploring opportunities in other internal teams over time.
Adaptability to learn through hands-on training, peer support, and shadowing rather than formal classroom programs.

Responsibilities

Establish and maintain effective credit procedures that support sound lending decisions and minimize risk.
Review and analyze data from credit reports, credit references, internal payment history, and input from sales personnel to determine appropriate credit terms.
Evaluate customer creditworthiness and make recommendations or decisions regarding credit limits and terms based on established guidelines.
Maintain and execute effective collection policies and procedures focused on ensuring the quality of trade accounts receivable.
Manage a dedicated portfolio of 300–400 business-to-business customers with approximately $5 million in outstanding receivables.
Monitor accounts receivable aging for the assigned portfolio and take timely action to keep at least 80% of the portfolio current.
Proactively contact customers within the portfolio via phone and email to resolve past-due balances and secure timely payments.
Identify, research, and resolve payment discrepancies, short pays, and disputes in collaboration with internal teams and customers.
Perform basic cash application activities as needed to ensure accurate posting of customer payments.
Use Word and Excel (including pivot tables and VLOOKUP) to create, update, and interpret reports related to credit, collections, and portfolio performance.
Apply general accounting knowledge, including understanding debits and credits, to interpret account activity and resolve issues.
Exercise critical thinking and problem-solving skills to address complex account situations and negotiate payment arrangements.
Provide professional, responsive customer service to maintain strong relationships while enforcing credit and collection policies.
Manage workload independently, prioritizing tasks across a large portfolio and meeting deadlines in a high-stress, metric-driven environment.
Maintain accurate documentation and follow-through on all collection activities, agreements, and customer communications.
Collaborate closely with team members, sharing best practices and participating in a supportive, team-oriented environment.
Participate in team competitions and performance-based activities that support engagement and achievement of portfolio metrics.
Continuously seek opportunities to improve processes, reporting, and portfolio performance in line with team goals.