Credit Specialist

Work Schedule: Hybrid (Eligible to work remotely onMondays and Fridays after successfully completing a 30-day training period. In-office schedule is Tuesday through Thursday.) Position Purpose: The Credit Specialist is responsible for managing an assigned portfolio of customer accounts while achieving monthly and annual collection goals. This position works closely with customers, branch personnel, and company leadership to minimize credit risk, maintain positive customer relationships, and support the company's overall financial performance. The Credit Specialist reviews and approves customer credit limits, monitors delinquent accounts, prepares collection reports, resolves account issues, and provides exceptional customer service. This role also collaborates with cross-functional departments to improve credit processes and support company initiatives that enhance operational efficiency. Essential Job Functions: Review and approve new customer accounts by establishing appropriate credit limits and payment terms. Manage an assigned accounts receivable portfolio by reviewing delinquent accounts and collection opportunities on a weekly basis. Partner with the Credit Manager to identify collection risks and develop strategies to improve collection performance. Maintain consistent communication with customers regarding outstanding balances while preserving positive business relationships. Process customer credit card payments and resolve unapplied cash and long-standing credit issues. Prepare bi-weekly, monthly, and quarterly accounts receivable and collection reports for management. Coordinate monthly meetings with branch leadership to review at-risk accounts and collection efforts. Generate weekly reports that help identify and communicate key areas of credit risk. Manage the shared Credit Department inbox and respond to inquiries in a timely and professional manner. Answer incoming calls through the Credit Hotline. Establish new customer accounts and maintain accurate customer credit information. Review and approve customer credit releases for rental, service, and parts transactions. Respond to customer and internal employee inquiries regarding invoices, account reconciliations, payment discrepancies, and credit-related concerns. Work closely with Sales, Product Support, Branch Managers, and Executive Leadership to resolve collection issues and improve communication across departments. Serve as the primary liaison between the company and outside collection agencies or collection attorneys, providing monthly updates to leadership regarding collection activities. Support continuous improvement initiatives by identifying opportunities to enhance credit policies, procedures, and operational efficiencies. Perform other duties as assigned. Education and/or Experience: High School Diploma or equivalent required. Associate's degree in Accounting, Finance, Business Administration, or a related field preferred, or an equivalent combination of education and experience. Minimum of 2–3 years of experience in credit, collections, accounts receivable, or a related accounting function preferred. Strong understanding of credit and collection principles and accounts receivable processes. Excellent customer service and relationship management skills. Strong organizational, analytical, and problem-solving abilities. Ability to prioritize multiple tasks and meet deadlines in a fast-paced environment. Ability to maintain confidentiality and exercise sound judgment. Excellent written and verbal communication skills. Computer Skills: Proficient in Microsoft Windows and Microsoft Office Suite, with intermediate to advanced Microsoft Excel skills. Experience using ERP systems, accounting software, and accounts receivable management systems preferred. Ability to learn company-specific software and reporting tools. Physical Demands: Standing, walking, talking, sitting, and frequent use of hands. This position primarily involves sitting or standing for extended periods but may occasionally require lifting or moving objects weighing up to 25 pounds. This position is primarily performed in a professional office environment. The work environment includes frequent interaction with customers, internal employees, and management through phone, email, and in-person communication. Hybrid work schedule available following successful completion of the initial 30-day training period and in accordance with company policy. Certificates, Licenses, Registrations: Professional certifications related to credit or accounts receivable (such as Certified Credit and Collection Professional (CCCP) or Credit Business Associate (CBA)) are a plus but not required. #J-18808-Ljbffr