Credit & Collections Specialist

Job Description

Job Description

We are looking for a Credit & Collections Specialist to support credit operations and accounts receivable activities for a construction-focused organization in Hamilton, Ohio. This Long-term Contract position is ideal for someone who can balance analytical decision-making with strong communication while helping maintain healthy customer accounts and consistent credit practices. The role will work closely with accounting, sales, and regional leadership to improve collection outcomes, review customer risk, and support compliance with company policies and applicable regulations.

Responsibilities:
• Oversee day-to-day credit activities by applying company credit standards and helping ensure consistent decision-making across customer accounts.
• Track outstanding accounts receivable balances, follow up on aging items, and support timely collection efforts to reduce risk and improve cash flow.
• Maintain organized customer credit records, including documentation needed for account setup, review, and ongoing account management.
• Perform recurring evaluations of customer creditworthiness using available scoring tools, payment history, and relevant financial information.
• Partner with regional teams and subsidiary personnel to resolve credit concerns, collection challenges, and account-related questions.
• Process cash application activities accurately and retain supporting records in a well-documented and accessible manner.
• Help ensure adherence to sales tax requirements as well as internal policies and procedures related to credit and collections.
• Prepare routine weekly and monthly reports for regional controllers and regional managers to provide visibility into account status and collection performance.
• Educate accounting and sales teams on credit procedures, documentation expectations, and best practices for account management.
• Support protection of legal and financial interests tied to customer accounts and perform additional related duties as needed.• At least 3 years of experience in credit, collections, commercial credit, or a closely related function.
• Working knowledge of credit analysis, credit approvals, and established credit policies and procedures.
• Experience using credit scoring tools and a practical understanding of laws and regulations that affect credit decisions and collections activity.
• Strong negotiation skills with the ability to handle collection conversations professionally and effectively.
• Proficiency with Microsoft Excel, Word, and PowerPoint for reporting, documentation, and communication.
• Clear written and verbal communication skills, with the ability to work effectively across accounting, sales, and operations teams.
• Construction or heavy/highway industry experience is highly valued.
• Willingness to travel occasionally and take on evolving responsibilities as business needs change.