Credit Development Analyst

Ingram Micro • Buffalo, NY

1d • $49,500 - $79,200 • Hybrid

About The Position

The Credit Development Analyst evaluates customer creditworthiness, analyzes financial risk, and manages a portfolio of customer accounts to support business growth while minimizing credit exposure. The role partners with Sales, customers, and internal stakeholders to make informed credit decisions, resolve account issues, and recommend solutions that balance customer needs with company risk objectives. The ideal candidate combines analytical abilities, business acumen, customer relationship skills, and sound decision-making in a fast-paced environment.

The role offers hands-on experience in credit risk assessment, financial analysis, portfolio management, and customer relationship management, while serving as a business partner to Sales and customers. It also provides exposure to a global technology marketplace and opportunities to use technology, automation, and analytics to support business decisions. The work environment is described as flexible and hybrid.

Requirements

• Associate degree and at least 5 years of experience in credit, finance, accounting, banking, financial analysis, risk management, accounts receivable, collections, or a related business discipline; OR high school diploma or equivalent and at least 8 years of relevant professional experience, including at least 4 years in credit analysis, financial analysis, banking, collections, accounts receivable, lending, underwriting, or risk management.
• Experience evaluating financial information and making business or credit decisions.
• Strong analytical, critical-thinking, and problem-solving skills.
• Experience managing customer accounts, portfolios, or financial relationships.
• Strong verbal and written communication skills.
• Proficiency with Microsoft Excel and business systems.
• Ability to prioritize multiple responsibilities and meet deadlines in a fast-paced environment.
• Strong organizational skills and attention to detail.
• Ability to build effective relationships with internal and external stakeholders.

Nice To Haves

• Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field.
• Experience with commercial credit, lending, underwriting, financial services, or risk analysis.
• Experience supporting business-to-business (B2B) customers.
• Knowledge of financial statement analysis and credit evaluation methodologies.
• Experience in distribution, technology, financial services, manufacturing, or corporate credit environments.
• Experience using ERP, CRM, credit management, or financial systems.
• Experience with process improvement, automation, reporting, or data analysis initiatives.
• Negotiation, conflict resolution, and customer relationship management experience.
• Experience leading projects, training peers, or serving as a subject matter expert.

Responsibilities

• Analyze customer financial statements, credit reports, payment history, and business information to assess credit risk and creditworthiness.
• Evaluate, recommend, approve, modify, or revoke credit limits and terms within established guidelines.
• Manage a portfolio of customer accounts while monitoring risk exposure and portfolio performance.
• Partner with Sales teams to support revenue growth and customer retention initiatives.
• Investigate and resolve billing, account, payment, and credit-related issues that may affect collections or customer experience.
• Review financial trends, account performance metrics, and risk indicators to identify potential concerns and opportunities.
• Recommend credit decisions, actions concerning bad debt exposure, and account actions when necessary.
• Use credit agency resources, internal systems, and analytical tools to support decision-making.
• Build relationships with customers, sales teams, and cross-functional stakeholders.
• Ensure compliance with company policies, internal controls, and Sarbanes-Oxley (SOX) requirements.
• Identify opportunities to improve processes, reporting, automation, and operational efficiency.
• Maintain accurate account documentation and audit-ready records.

Benefits

• Healthcare benefits
• Paid time off
• Parental leave
• 401(k) plan and company match
• Short-term and long-term disability coverage
• Basic life insurance
• Wellbeing benefits
• Merit increases, annual bonus or sales incentives, and long-term incentives may be available to eligible roles.

What This Job Offers

• Job Type: Full-time
• Education Level: Associate degree