Junior Credit Analyst

Syfan Logistics•Gainesville, GA

About The Position

The Junior Credit Analyst supports the Credit and Risk functions by reviewing debtor credit, establishing and maintaining debtor credit lines, completing new debtor verification procedures, confirming Notices of Assignment (NOAs), and monitoring existing debtor relationships. The role helps ensure debtor credit information is accurate, properly documented, and maintained in accordance with company credit policies and procedures. The analyst works closely with Credit, Collections, Operations, and Account Management to identify credit, fraud, concentration, payment, and documentation risks associated with purchased accounts receivable. The position includes reviewing commercial credit reports, payment history, accounts receivable aging, current exposure, and other risk factors; preparing credit limit recommendations within established procedures and delegated authority; verifying new debtors before invoices are approved for funding; confirming NOAs and payment instructions; completing periodic credit renewals; monitoring exposure and payment trends; and maintaining complete electronic credit files. The analyst escalates elevated risks, exceptions, adverse information, discrepancies, and matters exceeding assigned authority. The role also supports senior credit personnel, Collections, audits, quality-control reviews, portfolio projects, and management reporting. There are no supervisory responsibilities.

Requirements

Basic understanding of commercial credit, accounts receivable, and AR aging.
Ability to review commercial credit reports and recognize payment trends or adverse information.
Strong attention to detail, documentation, organization, and follow-through.
Professional written and verbal communication skills, including communication with debtor Accounts Payable departments.
Ability to manage multiple reviews, renewals, verification tasks, and deadlines.
Ability to work effectively in a fast-paced environment and make timely, accurate credit decisions while remaining within established credit policies and approval authority.
Proficiency with Microsoft Excel, Word, Outlook, and other Microsoft 365 applications.
Ability to handle confidential financial and business information appropriately.

Responsibilities

Perform initial and ongoing credit reviews of commercial debtors.
Review requests for new debtor credit lines and increases to existing limits.
Evaluate commercial credit reports, payment history, AR aging, current exposure, concentration, and other relevant risk factors.
Prepare documented credit limit recommendations within established procedures and delegated authority.
Escalate elevated-risk requests, high concentration, adverse credit, exceptions, and amounts exceeding assigned authority.
Complete required credit and verification procedures before new debtor invoices are approved for funding.
Independently verify debtor legal names, business addresses, Accounts Payable contacts, and other required business details.
Identify discrepancies, adverse information, unusual circumstances, and potential fraud indicators, and escalate concerns before funding.
Establish approved debtor limits, review dates, and supporting documentation in the company operating system.
Confirm debtor receipt and acknowledgment of NOAs, direct payment requirements, and updated Accounts Payable records and payment instructions.
Document NOA confirmation details and escalate disputed assignments, conflicting payment instructions, prior assignments, lien concerns, or refusal to acknowledge an NOA.
Obtain and review commercial credit reports and other available credit information, including payment experiences, collections activity, liens, judgments, bankruptcies, business age, and operating history.
Compare external credit information with internal payment experience when available and identify material deterioration or adverse developments.
Complete periodic debtor credit renewals and recommend maintaining, increasing, decreasing, suspending, or terminating existing debtor limits, as appropriate.
Complete and retain renewal documentation and escalate material adverse findings.
Monitor debtor exposure against approved limits and report over-limit positions.
Review payment and aging trends for signs of deterioration, disputes, dilution, or concentration risk.
Maintain complete electronic credit files and accurately update debtor limits, review dates, notes, and status information in the operating system.
Support internal audits, quality-control reviews, watch lists, and management reporting.
Assist senior credit personnel with special reviews, portfolio projects, and credit exception tracking.
Support Collections with credit-related debtor research and payment-performance information.
Assist in identifying potentially fraudulent, duplicate, fictitious, or otherwise questionable debtor information.
Maintain debtor renewal schedules and credit-related tracking reports.
Participate in portfolio and credit review meetings.
Perform other credit, risk, collections, and operational duties as assigned.