Credit & Master Data Management Analyst I

CVR Energy•Sugar Land, TX

About The Position

The Credit & Master Data Management Analyst I supports customer credit management, receivables monitoring, account inquiries, credit decisions, customer setup, and master data maintenance. The role works closely with customers and teams across the business, including Credit, Treasury, Billing, Commercial, Legal, and Information Technology. The analyst reviews aging and past-due items, communicates available credit, coordinates billing disputes, and completes initial and annual customer credit reviews. Responsibilities also include supporting customer setup and maintaining accurate customer information across multiple systems, reviewing daily auto-draft activity, and helping resolve drafting, system, or bank-connectivity issues. The position requires clear communication, sound judgment, ownership of issues through resolution, and escalation of material or unresolved matters. Responsibilities may broaden as the employee's 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.
Track record of taking ownership, delivering accurate work, following through on commitments, and learning quickly in a fast-moving environment.
Strong analytical, problem-solving, organizational, and follow-through skills, including the ability to identify root causes and coordinate resolutions across teams.
Excellent written and verbal communication skills and judgment to promptly escalate material or aging issues to management.
Ability to manage multiple deadlines, adjust priorities, and respond to time-sensitive customer or system issues.
Commitment to protecting confidential information, collaborating with others, sharing ideas, and improving processes.
Fluent English, orally and in writing.
Ability to adjust schedule to meet business needs.
Applicants must be eligible to work in the United States; the company will not sponsor immigration or work visas.

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 communicate through resolution.
Review daily aging reports and commentary, contact customers about past-due balances, follow up on commitments, and identify matters requiring attention or escalation.
Prepare and distribute daily available-credit information and answer questions about credit availability, exposure, payment timing, and early-draft options.
Monitor customer credit limits, exposure, aging, payment performance, and account status; identify changing risk indicators and communicate concerns.
Evaluate new customer credit requests and temporary or permanent credit-limit increases, make recommendations, and route requests for approval under established policy and authority.
Complete initial and annual customer credit reviews, analyzing financial statements, liquidity, leverage, profitability, cash flow, corporate structure, payment history, exposure, and other relevant risk factors.
Use external credit reports, trade references, public filings, ratings, market information, and other relevant sources to support written credit recommendations.
Review accounts on credit hold and work with Credit and Commercial teams to support timely order- or shipment-release decisions within approval authority.
Help evaluate, document, and monitor credit-support arrangements such as guarantees, letters of credit, collateral, prepayments, and credit insurance, coordinating with relevant partners.
Maintain complete, current credit files and coordinate with Legal when nondisclosure agreements or other documentation are needed.
Coordinate customer billing disputes by clarifying issues, connecting customers with Billing and Commercial owners, tracking progress, and helping drive 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 and stay engaged through testing and resolution.
Coordinate customer setup and maintain accurate, consistent master data across systems, including credit terms, payment methods, drafting instructions, and banking information.
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 recommended path.
Maintain documentation, reporting, reconciliations, and control support while identifying practical process improvements.
Contribute to projects and special assignments, build knowledge of credit and related business processes, and take on broader responsibilities as experience and capability grow.