Credit & Collections Representative

Circle Logistics•Fort Wayne, IN

1d•Onsite

About The Position

We are seeking a detail-oriented Credit & Collections Representative to manage a portfolio of customer accounts throughout the credit lifecycle, from initial onboarding through payment collection. This position requires the ability to evaluate creditworthiness, execute timely collection of outstanding receivables, and collaborate with sales and operations teams to resolve disputes while maintaining business continuity. This role demands strong relationship management capabilities combined with professional assertiveness in collections activities.

Requirements

Minimum 2+ years of professional experience in credit management, collections, or accounts receivable functions (freight brokerage, transportation, or 3PL industry experience strongly preferred)
Demonstrated knowledge of order-to-cash processes and credit risk assessment fundamentals
Professional communication skills with the ability to conduct firm, professional conversations while maintaining business relationships
Proficiency in Microsoft Excel, including data sorting, filtering, and lookup functions, with demonstrated ability to work across multiple software systems
Exceptional organizational capabilities with meticulous attention to detail and the capacity to manage high-volume account portfolios
Self-directed work approach with demonstrated accountability and follow-through on assigned tasks

Nice To Haves

Experience with Transportation Management Systems (TransportPro, Cargotel, or equivalent) and accounting software platforms (QuickBooks)
Familiarity with Customer Relationship Management (CRM) tools, such as HubSpot
Background in commercial credit reporting tools and new-customer underwriting processes

Responsibilities

Manage and monitor customer account portfolios, tracking aging schedules and prioritizing collection outreach to optimize Days Sales Outstanding (DSO) and minimize past-due balances
Execute outbound collection activities, including telephone communications and written correspondence, to secure payment on overdue invoices
Conduct credit evaluations for new customer applications utilizing established scoring frameworks, including credit report analysis and reference verification, to determine appropriate credit limits and payment terms
Assess existing customer accounts for credit limit modifications and term extensions, applying standardized internal scoring criteria
Investigate and resolve billing discrepancies, short payments, and deductions through coordination with sales representatives, operations personnel, and customers
Process and reconcile cash applications, investigate unapplied or misapplied payments, and maintain account accuracy
Implement credit holds on accounts and escalate severely delinquent accounts for third-party collections or legal proceedings in accordance with company policy
Document all collection activities and customer communications with comprehensive, accurate records
Generate aging reports and exposure analyses for management review and identify emerging credit risks