Credit Specialist

Our People: We have decades of combined service, logistics, and parts experience that result in being able to match equipment to application and still help you stay within your budget. Expertise to help determine the best equipment to handle the load, and the knowledge and ability to provide the equipment; new or used. Our Headquarters: Our property is centrally located at the “Crossroads of America’s Distribution Center,” on 40 acres that stretch along I-240 between Highway 78 / Lamar Avenue and Airways Blvd. on Farrisview Blvd., in Memphis. Our Inventory Sources: As dealer for many of the leading trailer manufacturers, we maintain strong relationships with many of the nation’s leading logistics companies and can purchase in large quantities to meet the customer’s needs. Our Service: We are here for you, our customer, before, during and after the sale. It is our desire and passion to see that your experience at Fleet Equipment, LLC exceeds your expectations and provides exceptional customer satisfaction. The Credit Specialist is responsible for evaluating customer creditworthiness, processing and reviewing credit applications, monitoring customer accounts, managing credit risk, and supporting accounts receivable activities. This position plays a critical role in minimizing bad debt exposure while supporting sales growth through sound credit decisions and effective customer relationship management. Key Responsibilities Credit Analysis & Approval Review and evaluate new customer credit applications. Analyze credit reports, trade references, and payment histories Establish and recommend credit limits based on risk assessment and company guidelines. Maintain accurate credit files and supporting documentation. Perform periodic reviews of existing customer accounts and credit limits. Account Monitoring Monitor customer payment trends and account activity. Identify high-risk accounts and recommend appropriate action. Review aging reports and assess potential collection risks. Track credit exposure and ensure compliance with established credit policies. Accounts Receivable Support Assist with collection efforts on past-due accounts. Communicate with customers regarding payment discrepancies and account balances. Resolve billing, credit, and payment issues in collaboration with customers and internal departments. Maintain detailed notes and records of collection activities. Evaluate and mitigate credit risk to reduce potential losses. Recommend account holds, release of orders, or revised payment terms when necessary. Monitor bankruptcy filings, liens, and other indicators of financial distress. Support efforts to improve Days Sales Outstanding (DSO) and overall cash flow. Prepare credit and collection reports for management. Work closely with Sales, Accounting, and Legal departments. Assist in developing and maintaining credit policies and procedures. Qualifications Education Associate's degree in Accounting, Finance, Business Administration, or related field required. Bachelor's degree preferred. Experience 2-5 years of experience in credit, accounts receivable, and collections. Experience evaluating commercial credit applications, preferably within the trucking, transportation, or fleet industry. Knowledge, Skills, and Abilities Strong understanding of credit principles, collections, and accounts receivable processes. Ability to analyze financial data and assess customer credit risk. Knowledge of credit reporting agencies and commercial credit references. Proficient in Microsoft Excel and ERP systems (Karmak is a plus). Strong organizational and time-management skills. Excellent verbal and written communication skills. Ability to maintain confidentiality and exercise sound judgment. Strong attention to detail and problem-solving abilities. Position can be remote if outside of Memphis, TN area May require interaction with customers, vendors, and financial institutions regarding credit and payment matters. #J-18808-Ljbffr Rippling, Inc.