Sr Credit Analyst

Reworld Waste•Florham Park, NJ

1d•$56,900 - $75,700•Hybrid

About The Position

The Senior Credit Representative is responsible for managing customer credit risk, supporting collections efforts, and maintaining healthy accounts receivable balances. This role partners closely with Collections, Cash Applications, Billing, Sales, Customer Service, and other internal departments to evaluate customer creditworthiness, resolve payment issues, minimize bad debt exposure, and improve cash flow.

Requirements

Bachelor’s degree in Accounting, Finance, Business Administration, or related field preferred.
5+ years of experience in credit, collections, or accounts receivable.
Strong understanding of credit analysis, financial statements, and commercial collections practices.
Experience working in a Multi-ERP environment –Peoplesoft, Netsuite, Salesforce a plus.
Microsoft Excel, including pivot tables and reporting tools.
Excellent communication, negotiation, and critical thinking skills.
Strong organizational skills with the ability to manage multiple priorities.
Ability to work independently and collaboratively across departments.

Nice To Haves

Knowledge of the Waste Management Business highly preferred.
Experience in B2B collections and corporate credit management.
Knowledge of lien rights, bankruptcy processes, and collection regulations.
Professional certification such as CBA, CBF, or NACM coursework is a plus.

Responsibilities

Review and evaluate customer credit applications, financial statements, trade references, and credit reports to establish appropriate credit limits and terms.
Monitor customer accounts and assess ongoing credit risk exposure.
Manage collections activities for assigned accounts to ensure timely payment of outstanding invoices.
Analyze aging reports and prioritize collection efforts on delinquent accounts.
Work directly with customers to resolve billing disputes, payment discrepancies, and deduction issues.
Recommend account holds, revised payment terms, or escalation actions when necessary.
Prepare and present A/R aging summaries and collection updates to management.
Collaborate with Sales and Customer Service teams to support customer relationships while protecting company financial interests.
Maintain accurate customer account documentation and collect notes.
Support month-end closing activities, bad debt reserve analysis, and audit requests.
Assist in developing and improving credit and collection policies, procedures, and reporting.
Mentor junior credit or collections staff as needed.