Junior Credit Analyst

Syfan Logistics•Gainesville, GA

About The Position

The Junior Credit Analyst supports the Credit and Risk functions by reviewing commercial debtors, 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. It works closely with Credit, Collections, Operations, and Account Management to identify credit, fraud, concentration, payment, and documentation risks associated with purchased accounts receivable. The analyst performs initial and ongoing credit reviews, evaluates requests for new or increased debtor limits, reviews commercial credit reports and payment information, and prepares documented credit-limit recommendations within established procedures and delegated authority. The role also verifies new debtor details through independent sources, confirms NOAs and payment instructions, completes periodic renewals, monitors debtor exposure and payment trends, and maintains complete electronic credit files and operating-system records. Elevated-risk matters, discrepancies, adverse information, exceptions, and issues outside assigned authority are escalated as appropriate. The position also supports senior credit personnel with special reviews and portfolio projects, assists Collections with credit-related research, helps identify potentially fraudulent or questionable debtor information, maintains renewal schedules and tracking reports, and participates in credit review meetings. There are no supervisory responsibilities. Progress reports occur at 30 and 60 days, with a management review at 90 days.

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 that support operational workflow 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 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 the company Notice of Assignment and verify that payment instructions direct funds to the designated factoring company account or lockbox.
Confirm that Accounts Payable records and payment instructions are appropriately updated, and document NOA confirmation details.
Escalate disputed assignments, conflicting payment instructions, prior assignments, lien concerns, and refusal to acknowledge NOAs.
Obtain and review commercial credit reports and other available credit information, including scores, risk ratings, DBT, trade 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 according to company policy and review schedules.
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 deterioration, disputes, dilution, or concentration risk.
Maintain complete electronic credit files, including approvals, reports, verification records, NOA confirmations, renewals, and supporting correspondence.
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.