Credit Analyst I

Position Summary

We are seeking a driven, analytical, and detail-oriented Credit Analyst to join our Credit & Collections team. In this role, you will evaluate customer creditworthiness, manage credit risk, and support business growth through sound credit decision-making. The ideal candidate will possess strong financial analysis skills, excellent communication abilities, and a commitment to balancing risk management with customer service.

If you're looking to build a rewarding career in finance, credit, and risk management, we invite you to join our team and make a meaningful impact.

Essential Job Functions

• Release customer credit holds after reviewing account status, payment history, and overall credit exposure.

• Establish and maintain new customer accounts, including the review of credit applications and supporting documentation.

• Evaluate and process customer overline requests while ensuring compliance with company credit policies and risk guidelines.

• Prepare and submit credit limit increase recommendations and supporting write-ups for management approval.

• Analyze customer financial statements, credit reports, payment performance, and other risk indicators to assess creditworthiness.

• Monitor customer credit limits and account exposure to identify potential risks and recommend appropriate actions.

• Collaborate with Sales, Customer Service, and Collections teams to resolve credit-related issues and support profitable business growth.

• Maintain accurate customer records, credit documentation, and account information within company systems.

• Review customer payment trends and financial performance to identify deteriorating credit conditions and recommend mitigation strategies.

• Assist in managing portfolio risk by proactively monitoring assigned accounts and supporting collection efforts when needed.

• Ensure compliance with company policies, internal controls, and established credit procedures.

• Support continuous improvement initiatives related to credit processes, reporting, and risk management practices.

Qualifications

• Associate degree and a minimum of one (1) year of experience in credit, collections, accounting, finance, or a related field; or

• High School Diploma/GED and a minimum of five (5) years of relevant credit or collections experience.

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field preferred.

• Strong analytical and problem-solving skills with the ability to evaluate financial information and credit risk.

• Proficiency with Microsoft Excel and business systems used for customer account management.

• Excellent verbal and written communication skills.

• Ability to manage multiple priorities in a fast-paced environment.

• Demonstrated ability to handle customer and stakeholder conflicts in a professional manner.

• Strong collaboration skills and willingness to support departmental and organizational goals.

   

Benefits

• Competitive compensation and comprehensive benefits package beginning on day one.

• 401(k) with company-sponsored retirement benefits.

• Continuing education, professional development, and tuition reimbursement opportunities.

• Paid vacation and holidays.

• Paid parental leave.

• Career growth opportunities within a stable and growing organization.

Join our team and help drive smart credit decisions that support both customer success and company growth.