Credit Analyst

Job Description

Job Description

We are looking for a detail-oriented Credit Analyst to support commercial credit and accounts receivable activities for a long-term contract opportunity in Smithfield, North Carolina. This role focuses on evaluating customer credit information, coordinating documentation tied to account setup and compliance, and helping maintain accurate cash application and receivables records. The position works closely with accounting teams, branch partners, and customers to promote timely processing, reduce risk, and support efficient credit operations.

Responsibilities:
• Review credit-related documentation and assist with setting up new customer accounts by confirming required financial and business information is complete and accurate.
• Coordinate the collection, tracking, and renewal of certificates of insurance and other supporting documents needed for customer account compliance.
• Support lien administration and related compliance filings by preparing records, monitoring deadlines, and maintaining organized documentation.
• Apply incoming payments accurately, research remittance details when needed, and help resolve posting discrepancies in accounts receivable records.
• Prepare recurring financial and receivables reports to provide visibility into account status, aging, and collection activity.
• Process account adjustments with appropriate support, ensuring updates are documented correctly and reflect approved credit decisions.
• Partner with project accountants, branch teams, and external customers to address billing questions, payment issues, and account maintenance needs.
• Assist with commercial collections activities by following up on outstanding balances and helping drive timely account resolution.• At least 3 years of experience in credit analysis, commercial credit, collections, or accounts receivable support.
• Working knowledge of credit application review, customer onboarding, and commercial account evaluation.
• Experience handling payment posting, cash application, and receivables reconciliation with a high level of accuracy.
• Familiarity with commercial collections practices, lien documentation, and compliance-related administrative processes.
• Ability to analyze account information, identify discrepancies, and communicate resolution steps clearly to internal and external stakeholders.
• Strong organizational skills with the ability to manage multiple deadlines, maintain documentation, and produce routine financial reports.
• Proficiency with standard business systems and spreadsheets used for tracking credit, collections, and receivables activity.