Credit Analyst

International Paper•Memphis, TN

10d•$75,000 - $87,000•Onsite

About The Position

The Credit Risk Analyst engages with customers to obtain financial statements and converts them into written financial analyses and credit limit recommendations for management, balancing customer needs with the company’s risk appetite. The role conducts in-depth analysis of annual and personal financial statements and tax returns to renew or increase credit limits, and prepares recommendations of $250,000 or more using trade references, credit agency scores, and financial analysis as appropriate. The analyst evaluates potential risk mitigation measures, such as corporate guarantees, letters of credit, UCC filings to secure lien positions, and lower sale terms. The role also conducts annual portfolio credit risk reviews for Regional General Managers, Region Controllers, and Senior Credit management, with particular attention to high-risk accounts, customer margins, terms of sale, and days sales outstanding. The position manages daily credit holds resulting from significant past-due balances or exceeded credit limits, working with customer service, sales, and collections representatives to resolve issues and release orders. It collaborates across Order to Cash teams and with Sales and Customer Service to address accounts receivable issues and high-risk situations while supporting customer relationships. The analyst assesses delinquent accounts for payment plans, settlements, or potential non-collectability, and may recommend bad-debt reserves using credit agency scores and public information. In bankruptcy cases, the analyst prepares and submits proof of claim to the court. The role monitors bad-debt receivables managed by outside collection agencies, audits collection activity, reviews recommendations, and coordinates with internal sales and legal teams. It also demonstrates leadership through supporting teammates, improving team skills, and maintaining a dependable, positive influence. This is a salaried, full-time position based at 1740 International Drive, Memphis, Tennessee. Limited travel is required (10%). The listed pay range is $75,000–$87,000; placement within the range depends on individual experience, skills, and abilities.

Requirements

Bachelor’s degree in finance, accounting, economics, or a related area.
Minimum of 2–3 years of applicable business experience.
Strong knowledge of operational, accounting, and finance topics.
Ability to understand and interpret credit market factors and industry risks.
Ability to recommend credit limits and manage Order to Cash procedures for an accounts receivable portfolio of $50 million or more.
Ability to make timely credit decisions using financial analysis, credit agency scores, references, payment history, and other indirect information.
Ability to prepare accurate accounts receivable and risk performance reports.
Ability to communicate effectively with senior financial managers.
Ability to research and resolve customer accounts receivable discrepancies.
Ability to arrange payment plans, monitor delinquent accounts, and manage bad-debt reserves and write-off processes.
Understanding of credit and bankruptcy laws and procedures.
Proactive multitasking ability and excellent written, verbal, and active listening skills.
Ability to develop effective working relationships with business sales and finance teams and external customers.
Proficiency with Microsoft Suite products and knowledge of SAP.
Competencies include customer focus, timely decision-making, priority setting and time management, dealing with ambiguity, action orientation, drive for results, problem solving, listening, conflict management, organizational agility, and self-development.
Limited travel required (10%).

Nice To Haves

Experience providing credit limits, analyzing financial statements, and identifying bad-debt risk behaviors.
Proficiency in Order to Cash processes, including credit, collections, cash application, disputes, and billing.

Responsibilities

Engage customers to gather financial statements and prepare written financial analyses and credit limit recommendations aligned with customer needs and company risk appetite.
Analyze annual and personal financial statements and tax returns to renew credit limits annually or increase credit lines as needed.
Prepare credit limit recommendations of $250,000 or more using trade references, credit agency scores, and financial statement analysis as appropriate.
Evaluate risk mitigation strategies, including corporate guarantees, letters of credit, UCC filings to secure a lien position, and lower sale terms.
Prepare and conduct annual portfolio credit risk reviews for Regional General Managers, Region Controllers, and Senior Credit management, focusing on high-risk accounts, margins, terms of sale, and days sales outstanding.
Manage daily credit holds due to significant past-due balances or exceeded credit limits, and coordinate with customer service, sales, and collections representatives to resolve issues and release orders.
Collaborate with Order to Cash teams, Sales, and Customer Service to resolve complex accounts receivable issues and high-risk situations while supporting customer relationships.
Assess delinquent accounts for payment plans, settlements, or potential non-collectability, and recommend bad-debt reserves when appropriate.
Prepare and submit proof of claim to the court in bankruptcy cases.
Monitor bad-debt receivables assigned to outside collection agencies, audit collection activity, review agency recommendations, and liaise with internal sales and legal teams.
Support and guide team members, help improve team skills, and contribute a positive, dependable influence in the team environment.