Credit Analyst

Job Description

Job Description

We are looking for a detail-oriented Credit Analyst to support service-related credit decisions for a manufacturing organization in Plymouth, Minnesota. This Long-term Contract position focuses on evaluating commercial risk, guiding timely approval decisions, and helping maintain strong credit practices across service transactions. The role also serves as a knowledgeable resource for team members by offering direction, coaching, and practical insight on more complex reviews. Responsibilities: • Evaluate new service-related credit requests and make approval decisions within assigned authority levels, ensuring each recommendation is supported by clear analysis and documentation. • Partner with credit leadership on transactions that exceed individual approval limits by preparing risk assessments and outlining recommended next steps. • Work closely with service teams and customers to balance sound risk management with efficient order processing and minimal business disruption. • Analyze financial statements, credit bureau data, customer payment trends, account records, and other relevant information to form complete credit conclusions. • Gather and verify required documentation for each opportunity, including commercial applications, tax-related forms, bonding information, project details, and external credit reporting materials. • Identify opportunities to strengthen credit policies and procedures that improve how decisions are reviewed, approved, and monitored. • Provide day-to-day guidance to other analysts by answering questions, sharing best practices, and supporting development across the service credit team. • Monitor workflow activity and pending order queues, helping prioritize reviews and offering direction when escalations or complex issues arise.• Demonstrated experience in commercial credit analysis, preferably within service-oriented or manufacturing environments. • Strong working knowledge of credit risk evaluation, collections practices, and commercial account review. • Ability to interpret financial information, credit reports, payment history, and supporting business documents to make informed decisions. • Experience handling credit approvals within defined authority levels and escalating higher-risk items with sound recommendations. • Proven ability to communicate effectively with internal stakeholders and customers while managing sensitive credit matters. • Comfortable coaching or training team members and serving as a subject matter resource for credit-related questions. • High attention to detail with strong organizational skills and the ability to manage multiple reviews in a fast-paced setting.