Credit & Master Data Management Analyst I

CVR Energy, Inc.•Sugar Land, TX

About The Position

The Credit & Master Data Management Analyst supports customer credit management, receivables monitoring, customer inquiries, credit decisions, customer setup, and master data maintenance. The role works closely with customers and teams across the business to support customer relationships, informed commercial decisions, and daily operations. The analyst reviews aging and past-due commentary, contacts customers about outstanding balances, communicates available credit, coordinates billing disputes with Commercial and Billing, and completes initial and annual credit reviews. The role also supports customer setup and master data across multiple systems and helps ensure the daily auto-draft process operates as expected. The position works with Credit, Treasury, Billing, Commercial, Legal, Information Technology, and customers. The analyst is expected to take ownership of issues, gather information, engage appropriate partners, recommend next steps, and escalate when necessary. Responsibilities may expand in range and complexity as knowledge and capabilities grow. Applicants must be eligible to work in the United States; the Company will not sponsor immigration or work visas.

Requirements

More than two years of relevant experience in credit, treasury, accounting, billing, cash application, banking operations, master data, or financial systems is preferred; candidates with less experience may be considered based on demonstrated capability and readiness.
Demonstrated ownership, accuracy, follow-through on commitments, and ability to learn quickly in a fast-moving environment.
Strong analytical, problem-solving, organizational, and follow-through skills, including ability to identify root causes and coordinate resolution across teams.
Excellent written and verbal communication skills and judgment to escalate material or aging issues promptly.
Ability to manage multiple deadlines, adjust priorities, and respond to time-sensitive customer or system issues.
Commitment to protecting confidential information, collaborating, sharing ideas, and improving processes.
Fluent English, oral and written.
Ability to adjust schedule to meet business needs.
Eligible to work in the United States; immigration or work visa sponsorship is not available.

Nice To Haves

Bachelor’s degree in accounting, finance, business, or a related field; relevant credit, treasury, billing master data, banking, or financial operations experience may substitute for degree requirements.
Credit, treasury, accounting, or related professional certifications.
Working knowledge of customer credit, financial-statement analysis, external credit research, collections, automated bank drafting, electronic payments, billing disputes, and customer master data processes.
Experience with Oracle, RightAngle, CreditPoint, and Microsoft Office.

Responsibilities

Respond promptly and professionally to customer and internal inquiries, research open questions, and maintain clear communication through resolution.
Review daily aging reports and supporting commentary, contact customers regarding past-due balances, follow up on commitments, and identify items requiring attention or escalation.
Prepare and distribute daily available-credit information and respond to questions about credit availability, exposure, payment timing, and early draft options.
Monitor customer credit limits, exposure, aging, payment performance, and account status; recognize changing risk indicators and communicate concerns.
Evaluate new customer credit requests and temporary or permanent credit-limit increases, develop recommendations, and route requests for approval under credit policy and delegated authority.
Complete comprehensive initial and annual reviews for assigned customers, analyzing financial statements, liquidity, leverage, profitability, cash flow, corporate structure, payment history, exposure, and other risk considerations; incorporate relevant external research into written recommendations.
Review accounts on credit hold, gather payment, exposure, and dispute information, and work with Credit and Commercial to support timely order- or shipment-release decisions within approval authority.
Help evaluate, document, and monitor credit-support arrangements, including guarantees, letters of credit, collateral, prepayments, and credit insurance, in coordination with relevant teams.
Maintain complete and current credit files and coordinate with Legal when nondisclosure agreements or other documentation are needed.
Coordinate customer disputes with customers, Billing, and Commercial by clarifying issues, connecting owners, tracking progress, and helping move matters to resolution.
Review prior-day auto-draft activity each morning, confirm the daily auto-draft job initiates as expected, coordinate early drafts, and investigate failed or incomplete processing.
Troubleshoot drafting, system, and bank-connectivity issues with Treasury and Information Technology, remaining involved through testing and resolution.
Coordinate customer setup and maintain accurate, consistent customer master data across systems, including credit terms, payment methods, drafting instructions, banking information, and related controls.
Take ownership of issues, gather facts, engage appropriate partners, recommend next steps, follow through, and escalate material or unresolved matters with a clear summary and proposed path forward.
Maintain documentation, reporting, reconciliations, and control support; identify practical improvements to accuracy, consistency, responsiveness, and efficiency.
Contribute to projects and special assignments, build knowledge across credit and related business processes, and take on broader responsibilities as experience and capability grow.