Senior Credit and Collections Analyst

NORTHSTAR ENERGY LLC•Lakewood, WA

About The Position

The Senior Credit & Collections Analyst supports credit and collections for consumer and commercial accounts, focusing on complex account analysis, high-risk collections, and issue resolution. This role researches and resolves discrepancies, identifies causes of delinquency, and implements solutions to reduce risk and improve cash flow. Responsibilities include managing challenging accounts, supporting credit decisioning within established authority, and collaborating with internal teams to resolve billing issues and ensure account accuracy. The role also drives process improvements by identifying trends and preventing recurring issues. Ensures compliance with company policies and applicable regulations, including FCRA requirements for consumer accounts, and provides backup support to the team as needed.

Requirements

Bachelor’s degree in Accounting, Business Administration, or equivalent combination of education and experience
5+ years of experience with commercial and consumer credit and collections
Prior customer service experience in a customer-facing role
Excellent written and verbal communication combined with analytical and problem-solving skills
Demonstrated ability to multi-task and work in a fast paced and challenging environment
Flexibility and ability to adapt to business needs
Capability of gaining customer loyalty by listening, relationship building and professional and persuasive communication skills
Proficient in Microsoft applications and a quick learner in Enterprise computer solutions.
Knowledge and understanding of the Fair Credit Reporting Act (FCRA) as it relates to consumer accounts.

Nice To Haves

Direct experience in the Fuel industry

Responsibilities

Evaluate new credit applications with credit investigation tools utilized by Coleman Oil. Communicate credit decisions through SalesForce same day or within 24 hours of receipt. Perform periodic reviews of existing customer accounts as directed by policy or when the customer’s credit status warrants a review.
Monitor the Aging report to identify overdue customer accounts. Contact customers by email, telephone, text to resolve disputes, ensure prompt payment of overdue balances greater than 15 days, providing assistance by answering questions and process requests.
Monitor customer exceptions to ensure customer accounts are within their credit limit. Place customer accounts on credit hold, following guidelines, and communicate actions
Utilize judgment to analyze the customers ability to pay and establish a repayment plan
Service accounts by investigating problems and finding resolutions to help overcome objections that customers may have about making payments and working towards solutions that best fit the customer needs, creating a positive customer experience
Ensure compliance with company policies and applicable regulations, including the Fair Credit Reporting Act (FCRA) for consumer accounts.
Collaborate with internal teams to investigate billing issues, resolve disputes, and ensure account accuracy.
Support process improvements by identifying trends and recommending solutions to prevent recurring issues.
Perform additional duties and special projects as assigned.

Benefits

Health - We provide a comprehensive benefits package that includes medical, dental, and vision coverage, along with a variety of ancillary options such as accident, critical illness, life insurance, flexible spending accounts, health savings accounts, and short-term disability. In addition, we offer employer-paid basic life insurance, accidental death and dismemberment (AD&D), and long-term disability coverage.
401(k) – 4% retirement account match.
Days Off – Employees will accrue two weeks’ paid time off per year, one personal day on the 1st of January each year, five days sick leave per year and six paid holidays throughout the calendar year.

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