Credit Analyst

Headquartered in Louisville, KY, Mercer Transportation is consistently ranked among the top carriers in the U.S. For over 40 years, we’ve built our reputation as one of the nation’s leading owner-operator companies by fostering a family-oriented culture rooted in honesty, professional freedom, and respect.

We’re seeking a Credit Analyst who thrives in a detail-oriented, analytical environment. This role focuses on evaluating new and existing customers to determine creditworthiness, establishing appropriate credit limits, and maintaining accurate credit records. Success in this role requires strong financial analysis skills, sound judgment, and the ability to communicate effectively with both internal teams and external partners.

As a key member of the Credit Department, you’ll work closely with Agents, Accounts Receivable, and other internal teams to assess financial risk, protect company assets, and support sound credit decisions. This role offers the opportunity to build expertise in credit analysis while contributing to Mercer’s continued growth and financial stability.

This position is onsite Monday – Friday, 8:00 AM to 5:00 PM.

What’s In It For You

• Comprehensive Health Coverage – Mercer contributes over $7,500/year toward your health insurance


• Wellness Incentives – Qualify for our Wellness Rate and pay as little as $0/month for employee-only coverage


• Earn Extra Rewards – Receive up to $300/year in gift cards through wellness initiatives


• Generous Time Off – Paid Time Off plus company-paid holidays


• Company-Paid Protection – Life Insurance and Long-Term Disability included at no cost


• Optional Benefits – Dental, Vision, Flexible Spending Accounts, and Short-Term Disability


• Secure Your Future – 401(k) with company match


• Professional Growth – Opportunities to expand your knowledge in credit analysis, financial review, and risk management

What You’ll Do

• Review and analyze new credit applications to determine customer creditworthiness in accordance with Mercer’s credit policies


• Conduct investigations on new and inactive customers using credit tools, trade reports, and reference checks


• Identify customer legal structures and link accounts to appropriate coverage within the company’s trade insurer database


• Analyze financial statements to support credit decisions and higher credit limit requests when trade data is insufficient


• Contact bank and trade references as needed to support credit evaluations


• Establish and adjust credit limits based on financial data, trade insurance coverage, and risk analysis


• Maintain accurate credit files and documentation for assigned accounts


• Collaborate with Agents and Accounts Receivable to address account concerns and resolve past-due balances when appropriate


• Communicate professionally with customers and internal stakeholders to support effective credit decisions

Who You Are

• Analytical and detail-oriented with strong problem-solving skills


• Comfortable reviewing financial information and making sound credit decisions


• Strong communicator with the ability to work effectively with internal teams and external partners


• Organized and able to manage multiple accounts and priorities simultaneously


• Professional and diplomatic when handling sensitive financial matters


• Proficient with Windows-based systems and standard office software
  

Qualifications

• Associate’s degree required; Bachelor’s degree in Finance, Accounting, or Business Administration preferred


• Minimum of two years’ experience in credit analysis, credit processing, or collections


• Working knowledge of general accounting principles and financial statement analysis


• Strong written, verbal, and interpersonal communication skills


• Demonstrated ability to make sound decisions and resolve issues efficiently

May be subject to the following screening requirements: Motor Vehicle, Drug Screen, Criminal Background Check.

Why Mercer

At Mercer, you’ll be part of a collaborative, people-first team where relationships matter and performance drives opportunity. We invest in training, value open communication, and support growth for individuals who are willing to learn, adapt, and take ownership of their success.