Credit Analyst

Review and analyze customer credit applications and supporting financial documentation. Evaluate financial statements, credit reports, payment history, and other relevant information Establish and recommend appropriate credit limits and payment terms. Monitor existing customer accounts for changes in creditworthiness. Conduct periodic credit reviews and account assessments. B2B experience with credit Account Monitoring & Collections Support Track customer payment trends and identify potential delinquency risks. Partner with the Accounts Receivable team to resolve past-due accounts and support collection efforts. Review aging reports and recommend actions to reduce outstanding balances. Cross-Functional Collaboration Partner with Sales, Finance, and Operations to balance customer service with sound risk management. Communicate credit decisions and recommendations effectively to internal stakeholders. Assist with contract reviews related to payment terms and credit requirements. Provide guidance regarding customer credit exposure and risk mitigation strategies. Process Improvement Identify opportunities to improve credit review processes and operational efficiencies. Assist with system enhancements and reporting automation initiatives. Support finance department projects and continuous improvement efforts. Qualifications Education Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field preferred. Equivalent combinations of education and relevant experience will be considered. Experience Minimum of 3 years of experience in Credit Analysis, Commercial Credit, Banking, or a related field. Experience reviewing financial statements and assessing commercial credit risk. Experience working with ERP systems, accounting software, and financial reporting tools preferred. Strong analytical and problem-solving skills. Thorough understanding of financial statements and commercial credit analysis. Knowledge of commercial credit practices, collections, and risk management. Excellent attention to detail and organizational skills. Strong written and verbal communication skills. Ability to make sound business decisions based on financial data. Advanced Microsoft Excel skills preferred. Ability to manage multiple priorities in a fast-paced environment. What We Offer Competitive Compensation Health, Dental, and Vision Insurance 401(k) with Company Match Paid Time Off and Company Holidays Career Growth and Development Opportunities Collaborative and Team-Oriented Work Environment #J-18808-Ljbffr