Credit Analyst

CREDIT ANALYST

WHY MILLCRAFT
At Millcraft, we're more than a business, we're a family. For over 100 years, we've been proud to serve the paper, packaging, and graphic arts industries, guided by our values of Family, Passion, Aspire, Responsible, and Deliver. We care deeply about our people, our customers, and our communities, and we believe in creating a place where you can grow, belong, and make a real difference. Come join us and be part of something truly special.
THE DIFFERENCE YOU WILL MAKE
Millcraft Paper Company invites applications for the full-time position of Credit Analyst. Reporting to the Credit Manager, this role keeps orders moving and cash coming in - performing due diligence on new accounts, making daily order release decisions, taking customer payments through Versapay, and resolving the disputes that keep invoices from being paid. It carries real decision-making authority on order releases and credit lines. How the work gets done matters just as much: this is a collaborative team handling significant daily volume, and we are looking for someone who communicates promptly and professionally, partners well across all departments, and brings positive energy.
CORE FUNCTIONS OF THIS ROLE

• Evaluate new accounts using credit applications, bureau reports, and other available credit tools
• Assign or recommend credit lines within delegated authority
• Process customer payments and authorized eCheck and credit card transactions in Versapay, including prepayment pulls; document authorizations and resolve declines, returns, and chargebacks
• Research and resolve disputed invoices, short payments, and deductions, identifying and addressing root causes
• Prepare and process adjustments and credit memos in accordance with departmental guidelines
• Manage a high volume of daily email with timely, professional, and complete responses
• Partner with sales to address account issues and support order flow while maintaining independent credit judgment
• Use Excel and Power BI reports to monitor aging, DSO, and account activity
• Support the Credit Manager and credit team with collections, escalations, special projects, cross-training, and coverage needs

WHAT YOU'LL NEED TO SUCCEED

• Associate or Bachelor's degree in Finance, Accounting, Business, or a related field; equivalent experience will be considered
• Minimum 3 years of commercial credit and collections experience
• Strong Microsoft Excel skills; ability to navigate Power BI reports required, report building a plus but not required
• Experience with Microsoft Dynamics 365 Finance, Versapay or similar payment platforms, and CRM management systems is a plus
• Comfort with AI-assisted productivity tools a plus
• Practical judgment to make timely, well-supported order release and credit line decisions
• Strong Microsoft Excel skills and confidence working with Power BI reports
• Clear, professional written communication, even when managing heavy email volume
• An organized, detail-focused approach and a positive, collaborative presence on the team
• Ability to partner effectively across Sales, Operations, and CX, with the flexibility to step in and keep relationships strong during periods of heavy demand
• Openness to AI and automation tools that improve accuracy, efficiency, and follow-through
• High integrity and discretion when handling confidential customer, financial, and payment information

WHAT WINNING LOOKS LIKE

• Held orders are reduced by maintaining accounts properly, released quickly or escalated timely to protect deadlines, keeping communication prompt and helpful.
• Trace disputes to their root cause and resolve, preventing bottlenecks all while successfully driving down DSO and bad debt reserve.
• Credit, CX, Operations, and Sales operate as partners -continuing order flow, the customer experience stays positive, and the company's position is protected.

GROWTH PATH

A path toward senior credit responsibility and, in time, Credit Manager, with expanding order release and credit line authority along the way. Millcraft supports continued development through NACM coursework and our Tuition Reimbursement Program.

WORK ENVIRONMENT:

At the corporate level, the work environment characteristics described herein are generally representative of those an employee encounters while performing the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The work environment is moderately quiet to moderately noisy. Temperature is moderated by heat in the winter and air conditioning or air circulation methods in the summer.

HOW WE WILL TAKE CARE OF YOU


Medical, Dental, & Vision


Profit-Sharing


Generous Time Off Policies


Tuition Reimbursement Program


Military Leave Pay


Voluntary Dependent Life Insurance


Accident and Critical Illness


Company Paid Life Insurance


Wellness Program


Company Paid Holidays


401k Retirement Savings Plan


Employee Assistance Program


Veteran's Day Pay


Limited Purpose F.S.A and Dependent Care F.S.A


Company paid Short Term Disability, and Long-Term Disability


Don't meet every single requirement? That's okay. At Millcraft, we believe great people come with many different experiences, and if our core values- Family, Passion, Aspire, Responsible, and Deliver -resonate with you, we encourage you to apply. We're always looking for people who think differently, bring new perspectives, and want to grow with us.

Your passion, our purpose-let's make a difference together.

Millcraft Paper Company is an EEO employer. We are committed to equal opportunity in the terms and conditions of employment for all employees and job applicants without regard to race, color, religion, sex, sexual orientation, age, gender identity or gender expression, national origin, disability, or veteran status. Millcraft Paper Company complies with all applicable national, state and local laws governing nondiscrimination in employment as well as employment eligibility verification requirements of the Immigration and Nationality Act. All applicants must have authorization to work for Millcraft Paper Company.

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