Senior Credit Analyst

AWC, Inc.•St. George, LA

About The Position

AWC is seeking a highly analytical and business-minded Senior Credit Analyst to join our finance team. This role is responsible for evaluating customer creditworthiness, managing credit risk, establishing appropriate credit limits, and partnering with our Sales and Operations teams to support profitable business growth while protecting company assets. Our team of co-owners values enthusiasm, creativity, and a growth mindset, and we’re committed to putting those qualities to work on solutions that matter. If you’re ready to grow and make an impact, we’d love to be on your team. The ideal candidate will possess strong financial analysis skills, sound business judgment, and the ability to balance customer service with prudent risk management. This individual will play a key role in supporting AWC's continued growth by ensuring credit decisions align with the company's financial objectives and employee-owner culture.

Requirements

Bachelor's Degree in: (Finance, Accounting, Business Administration, Economics or Related Business Discipline)
5+ years of progressive experience in commercial credit analysis or corporate credit.
Strong understanding of financial statement analysis
Experience evaluating commercial credit risk
Advanced Microsoft Excel skills
Experience utilizing ERP systems and credit reporting services
Excellent written and verbal communication skills
Strong analytical and problem-solving abilities

Nice To Haves

Experience in ERP conversion
Strong attention to detail and precision to ensure optimal control valve performance
Exceptional problem-solving skills, enabling effective selection of corrective actions
Proficient in interpreting schematics, drawings, and procedural instructions
Clear and effective communication skills, both verbal and written
Collaborative team player with the flexibility to work in various settings
Adaptability to work both in a shop environment and at customer-owned facilities

Responsibilities

Analyze customer financial statements, credit reports, payment histories, and industry trends to determine appropriate credit exposure
Evaluate new customer credit applications and establish initial credit limits.
Review and adjust existing customer credit limits based on financial performance, payment behavior, and changing market conditions
Assess overall portfolio risk and recommend strategies to minimize bad debt exposure.
Monitor customers for deteriorating financial conditions and proactively recommend risk mitigation strategies
Perform detailed analysis of: Balance Sheets; Income Statements; Cash Flow Statements; Working Capital; Liquidity Ratios; Debt Structure
Interpret financial data to identify strengths, weaknesses, and potential credit risks
Prepare comprehensive credit recommendations for management approval
Monitor customer credit exposure across multiple business units
Review aging reports and identify high-risk accounts
Partner with Collections to resolve payment issues while maintaining positive customer relationships
Recommend holds, release of orders, payment plans, or revised credit terms when appropriate
Assist in reducing Days Sales Outstanding (DSO) while supporting revenue growth
Partner closely with: Sales; Operations; Customer Service; Accounting; Executive Leadership
Provide guidance to sales teams regarding customer credit decisions
Balance customer service objectives with sound financial risk management
Support strategic account opportunities by evaluating financial risk and recommending appropriate credit structures.
Assist in developing and improving credit policies, procedures, and internal controls
Ensure compliance with company credit policies and applicable financial regulations
Recommend process improvements that increase efficiency and reduce financial risk
Participate in system enhancements related to credit management and reporting
Prepare periodic reports on: Credit exposure; Portfolio performance; Customer risk trends; Bad debt reserves; Credit limit utilization
Present findings and recommendations to Finance leadership
Develop meaningful KPIs to monitor portfolio health and credit performance