Credit Development Analyst

Ingram Micro•Buffalo, NY

22h•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 position calls for analytical ability, business acumen, customer relationship skills, and sound decision-making in a fast-paced environment. The analyst assesses financial statements, credit reports, payment history, and other business information; evaluates credit limits and terms; monitors portfolio performance; and supports customer and revenue growth. The role also helps resolve billing and payment issues, ensures compliance with company policies and SOX requirements, and identifies opportunities to improve processes, reporting, automation, and operational efficiency. This role offers exposure to a global technology marketplace and collaboration across Sales, Credit Operations, Finance, and customer-facing teams. The work environment is described as flexible hybrid. The typical U.S. base pay range is $49,500–$79,200 per year, with additional rewards potentially available for eligible roles. U.S.-based employees have access to healthcare benefits, paid time off, parental leave, a 401(k) plan with company match, disability coverage, basic life insurance, and wellbeing benefits.

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 a 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 and monitor 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.
Make recommendations concerning credit decisions, bad debt exposure, and account actions when necessary.
Use credit agency resources, internal systems, and analytical tools to support decision-making.
Build strong 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 with company match
Short-term and long-term disability coverage
Basic life insurance
Wellbeing benefits
Potential merit increases, annual bonus or sales incentives, and long-term incentives for eligible roles
Professional development and career growth opportunities
Flexible hybrid work environment