Job Description

The Credit Analyst is responsible for managing credit risk and accounts receivable for an assigned customer portfolio. This role establishes and maintains appropriate credit limits, reviews and releases credit-held orders, supports collections, and resolves account disputes while balancing risk management with profitable sales growth The Credit Analyst partners closely with Sales and customers to ensure timely order processing, strong cash flow, and positive customer relationships.

Essential Functions

Establish, review, and maintain credit limits for new and existing customers while managing company credit exposure and supporting sales.
Review and release credit-held orders throughout the day, working closely with Sales to resolve issues and minimize delays to customer orders.
Conduct accounts receivable collections through phone, email, and written communication; follow up on past-due balances and escalate issues as needed.
Research and resolve invoice discrepancies, short/overpayments, and customer disputes in partnership with Sales and internal teams.
Collect and analyze trade references, financial information, and credit reports to support new account setup and credit-limit decisions.
Conduct annual credit reviews and adjust customer credit limits based on updated financial and payment information.
Monitor aging and DSO performance and take appropriate action to support company targets.
Prepare mid-month and month-end credit and A/R reports and participate in reporting calls with Sales leadership and management.
Maintain accurate customer credit and A/R records while ensuring compliance with company policies and applicable credit practices.
Perform other related responsibilities as assigned.

Experience, Education and Skills

• High school diploma or GED required; Associate’s degree in Accounting or related field preferred.
• 3+ years of credit, accounts receivable, collections, accounting, or related experience.
• Strong ability to analyze financial statements, credit reports, and payment history
• Working knowledge of business and credit law and general accounting principles.
• Strong problem-solving, analytical, communication, and negotiation skills
• Ability to effectively partner with Sales and customers to resolve credit and payment issues.
• Proficiency with Microsoft Office, including Excel, Word, and Outlook
• NACM certification or credential preferred.
• Ability to manage multiple priorities and make sound credit decisions in a fast-paced, deadline-driven environment