Senior Credit Analyst

Composites One•Schaumburg, IL

3d•Hybrid

About The Position

The Senior Credit Analyst manages a portfolio of customer accounts, partnering with Sales and Operations to optimize accounts receivable (AR) performance while balancing risk and customer experience. This role is responsible for monitoring key AR metrics—including DSO, ADTP, past due aging, and bad debt—through proactive collections, credit underwriting, and data-driven decisioning. The Senior Credit Analyst evaluates customer financial health using internal and external data sources and recommends credit limits, terms, and risk classifications. This position serves as an escalation point for complex account issues and plays a key role in improving credit policies, processes, and overall portfolio performance.

Requirements

5+ years of credit and collections experience (credit analysis, AR management, delinquency resolution)
Strong understanding of accounting, finance, and credit principles
Experience analyzing financial statements and assessing credit risk
Experience working with ERP systems and credit tools
Microsoft 365 (Excel, Word, Outlook) proficiency required
Experience with credit platforms (D&B, CreditSafe, Experian, or similar)
ERP experience required; SAP S/4HANA a plus
Bachelor’s degree in Finance, Accounting, Business Administration, or related field preferred (or equivalent experience)

Nice To Haves

NACM certifications (CBA, CBF, CCE) a plus
Credit risk analysis & underwriting
Accounts receivable & collections management
Financial statement analysis
DSO / ADTP / AR performance management
Customer relationship management
Negotiation & dispute resolution
Cross-functional collaboration (Sales, Operations, Finance)
Problem-solving and escalation management
Strong communication and attention to detail
Ability to manage multiple priorities in a fast-paced environment

Responsibilities

Evaluate credit risk for new and existing customers using financial statements, D&B, trade references, and industry data
Recommend credit limits, payment terms, and risk classifications within authority guidelines
Analyze financials and behavioral data to reduce exposure and minimize bad debt
Review and approve credit requests; escalate high-risk decisions with supporting analysis
Assess non-standard payment terms (e.g., Net 60) and complete credit scorecards with Sales
Structure payment plans aligned with risk level and customer relationship
Manage AR aging, DSO, ADTP, and delinquency trends across assigned portfolio
Drive proactive collections through customer outreach and follow-up
Resolve payment issues including short pays, disputes, deductions, and returned payments
Provide documentation (invoices, PODs, statements) to support collections
Identify at-risk accounts and recommend corrective actions
Report portfolio risk, trends, and collection performance to leadership
Serve as primary credit contact for Sales, Operations, and Customer Service
Partner with Sales to balance revenue growth with credit risk management
Participate in regular reviews of high-risk or high-value accounts
Execute order hold/release decisions per credit policy
Resolve order issues in coordination with internal teams (Sales, CSR, CAC)
Escalate complex account issues to Credit leadership as needed
Process account adjustments, credits, and refunds accurately and timely
Support onboarding and training of Credit team members
Act as subject matter resource for credit and collections processes
Conduct periodic portfolio reviews and identify risk mitigation opportunities
Support continuous improvement of credit policies, workflows, and controls
Identify and drive process improvements across AR and collections functions