Credit Risk Analysis

Opportunities Page•Louisville, KY

12h

About The Position

The Credit Risk Analyst evaluates, monitors, and manages customer credit risk to minimize financial exposure while supporting sales growth and timely order fulfillment. The role balances risk management with business objectives by following established credit policies and credit insurance requirements while fostering positive customer relationships. The analyst reviews credit information, establishes and maintains customer credit limits, coordinates coverage decisions with the credit insurer, and manages credit holds and related order releases. The role also maintains accurate account and project documentation, verifies contractor project information to support lien and bond rights, and works with internal teams and customers to resolve credit issues. Additional duties may be assigned by the AR Manager. Travel is not required.

Requirements

Two-year college degree or equivalent work experience.
Strong verbal and written communication skills.
Ability to handle sensitive customer interactions professionally.
Working knowledge of basic accounting principles.
Ability to remain focused and on task in a fast-paced environment.
Problem-solving and analytical abilities.
Effective time management and ability to adapt quickly to changing priorities.

Nice To Haves

Experience with financial software systems such as IFS, Nuvo, and Billtrust.
Vendor management skills.
Intermediate troubleshooting skills.
Advanced teamwork skills.
Intermediate organizational skills.
Intermediate MS Office software skills.
Advanced effective communication skills.
Advanced computer skills.
Demonstrates innovation, original thinking, and willingness to introduce new ideas.
Works well as a member of a group.
Shows enthusiasm and interest.
Detail-oriented and able to complete tasks thoroughly.
Adapts readily and enthusiastically to changes such as new procedures or technology.
Motivated by work-life balance, self-direction, goal completion, and financial reimbursement.

Responsibilities

Research credit applicants by reviewing and interpreting mercantile reports and verifying submitted information to identify and minimize risk.
Evaluate customer creditworthiness and establish appropriate credit limits based on project size, payment history, financial stability, and other risk factors.
Coordinate with the credit insurance provider on customer coverage, limit requests, increases, reductions, and cancellations.
Review and maintain customer credit limits in accordance with insurer approvals and company credit policies.
Maintain accurate documentation of credit reviews, decisions, account updates, job information, and supporting materials.
Verify project information provided by contractors to support preservation of lien and bond rights.
Monitor and manage the credit hold queue by reviewing account status, identifying outstanding issues, and coordinating resolutions to facilitate timely order releases.
Collaborate with internal teams and customers to address credit concerns, obtain account updates, and resolve outstanding issues.
Make timely, informed decisions about credit approvals, credit limit adjustments, credit extensions, and order releases from credit hold.
Identify uninsured or underinsured credit exposure and communicate potential risks to the AR Manager.
Coordinate customer setup and vendor registration requirements, including completion of customer-specific forms.
Perform other duties as assigned by the AR Manager.