Credit Analyst

Job Description

Job Description

We are looking for a Credit Analyst to join our onsite team in Huntersville, North Carolina. This position supports a fast-paced, high-volume operation with a strong residential customer focus and requires someone who can balance sound credit judgment with responsive branch support. The ideal candidate brings a practical, solutions-oriented approach, communicates effectively across teams, and helps strengthen credit and collections processes in a growing organization.

Responsibilities:
• Review customer credit profiles and assess risk for new and existing accounts, using financial data, payment history, and credit applications to support informed decisions.
• Manage commercial and consumer collections activity by following up on outstanding balances, resolving account issues, and helping reduce aging receivables.
• Partner closely with branch teams and corporate stakeholders to address credit concerns, remove account barriers, and maintain strong internal working relationships.
• Monitor high-volume account activity to identify delinquency trends, recommend corrective actions, and help prevent vendor or customer credit holds.
• Support process improvement efforts by identifying inefficiencies in credit and collections workflows and helping implement more effective, scalable practices.
• Maintain accurate records in business systems and ensure account documentation, payment status, and credit-related notes are current and complete.
• Work with teams using platforms such as Sage Intacct, Oracle, Experian, QuickBooks, and ServiceTitan to reconcile credit data and support account management activities.
• Contribute to operational stability during periods of organizational growth by helping standardize credit practices across multiple business units and branch locations.• Experience in credit analysis, including evaluation of customer financial risk and account approval decisions.
• Background in commercial credit and collections within a high-volume environment.
• Familiarity with credit applications, account setup processes, and receivables follow-up.
• Working knowledge of systems such as Experian and Oracle; experience with Sage Intacct, QuickBooks, or ServiceTitan is strongly preferred.
• Ability to communicate clearly and professionally with branch personnel, leadership, vendors, and customers.
• Strong organizational skills with the ability to manage competing priorities and respond quickly to urgent account issues.
• Proven ability to work onsite and contribute effectively in a hands-on, fast-moving business setting.