Credit Analyst

Position Description The Credit Analyst is part of the Order to Cash team and is responsible for managing customer credit risk evaluation and escalation for the accounts receivable portfolio. Working with other OTC colleagues and business partners in sales and operations, the Credit Analyst conducts credit analysis and portfolio reviews to assess the financial health of individual and grouped accounts. The analyst oversees risk evaluation and escalation for accounts facing financial distress and/or nonpayment of debt to mitigate potential losses for the company. The role also serves as a lead and escalation point of contact for the Credit and Collections team. Key Responsibilities Review, recommend, and approve credit lines for prospective and current customers using third-party credit reporting tools, financial statements, and internal customer data to aid in vetting requests for increased credit and/or payment terms to mitigate ATD's financial risk. Communicate credit decisions and risks timely to relevant partners. Maintain credit files and requests, track and analyze required financial information, and support the Department leaders with collateral filings including UCCs. Perform assigned and ad-hoc data analysis and reporting. Monitor and support accounts involved in bankruptcy proceedings to ensure compliance and recovery efforts, working with OTC leadership and Legal to administer correct steps. Support OTC leaders with placement and tracking of accounts with third-party collection agencies, manage all communications with the agencies, and provide status reports to OTC Management. Develop and foster relationships with the sales force and coordinate with cross-functional teams. Support other directives and special projects as prescribed by OTC management to drive adoption of new processes and procedures that contribute to best practices in addressing risk mitigation, departmental efficiency, and autonomy in processes. Competencies Data Collection and Analysis – Ability to determine and analyze trends from collected data to compile reports that aid decision-making, including proficiency with data visualization tools. Creative Problem Solving – Find practical solutions for unexpected business and client problems. Writing Skills – Express ideas, request actions, formulate plans, and policies in clear, effective writing. Ensures Accountability – Hold self and others accountable to meet commitments. Financial Accounting – Apply financial accounting principles, including classification, measurement, and recording of company financial transactions. Planning & Organizing – Plan, organize, prioritize, and oversee activities to efficiently meet objectives. Qualifications Associate’s degree. Two years of related experience preferred. Computer skills – Spreadsheet expertise. Physical Demands / Working Conditions Physical Demands: Working in an office environment. Occasionally required to stand, walk, sit, use hands to handle or feel objects, tools or controls; reach with hands and arms; climb stairs; balance, stoop, kneel, crouch or crawl; talk, hear, taste and/or smell; lift and/or move up to 50 pounds. Specific vision abilities required include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus. Work Environment: Exposure to weather conditions prevailing at the time. Noise level usually moderate. Travel Requirements: As required by the position. American Tire Distributors is an Equal Opportunity Employer and Drug Free Workplace. #J-18808-Ljbffr American Tire Distributors Inc.