Credit and Collection Analyst

Department

Finance / Accounting

FLSA Status

Exempt

Reports To

Credit Manager / Controller

Employment Type

Full-Time

Location

On-site - Canton GA, Garner NC or Rock Hill SC

Who we are

Summit Stairs and Millwork has been a trusted partner to homebuilders for more than 30 years, providing stair parts, exterior millwork, and PVC product solutions that make builders' jobs easier and elevate homeowners' spaces. Our Quick System QuickTread™ and full line of stair and exterior products are relied on by production builders, including Pulte Homes and TRI Pointe Homes, for consistent quality, reliability, and responsiveness. As we continue to grow, we are looking for a detail-oriented Credit and Collection Analyst to help protect the company's cash flow and maintain strong relationships with our builder customers.

Position Summary

The Credit and Collection Analyst is responsible for managing customer credit risk and driving the timely collection of outstanding accounts receivable. This role evaluates new and existing customer credit applications, monitors account aging, resolves billing disputes, and partners closely with Sales and Operations to balance strong builder relationships with sound credit practices. The ideal candidate is analytical, persistent, and comfortable communicating directly with customers about payment matters.

Key Responsibilities

• Review and analyze credit applications for new and existing customers, using credit reports, trade references, and financial statements to recommend credit lines and payment terms.
• Monitor accounts receivable aging and proactively contact past-due customers by phone and email to secure payment commitments and resolve delinquencies.
• Investigate and resolve short pays, billing discrepancies, and disputed invoices in coordination with Sales, Customer Service, and Operations.
• Reconcile customer accounts and process credit memos, adjustments, and payment applications as needed.
• Place and release credit holds on customer accounts in accordance with company credit policy.
• Prepare and distribute weekly and monthly aging reports, DSO metrics, and collection status updates to management.
• Recommend accounts for collections agency referral, legal action, or write-off, and maintain supporting documentation.
• Maintain accurate, up-to-date customer credit files, including terms, limits, tax exemption certificates, and lien waivers as required.
• Support month-end close by reviewing the accounts receivable aging and assisting with bad debt reserve analysis.
• Build and maintain professional relationships with builder customers, subcontractors, and internal sales teams to support timely payment while protecting customer goodwill.
• Ensure compliance with company credit policies, mechanic's lien deadlines, and applicable state lien laws.

what you bring

• Associate's or Bachelor's degree in Accounting, Finance, Business, or related field, or equivalent work experience.
• 2+ years of experience in credit analysis, collections, or accounts receivable, preferably in building products, construction, or manufacturing/distribution.
• Working knowledge of commercial credit practices, lien laws, and collections regulations.
• Proficiency in Microsoft Excel and experience with ERP/accounting systems (e.g., NetSuite, SAP, Microsoft Dynamics, or similar).
• Strong analytical and problem-solving skills with high attention to detail and accuracy.
• Excellent verbal and written communication skills, with the ability to negotiate professionally and firmly with customers.
• Ability to manage a high-volume portfolio of accounts and prioritize effectively under deadlines.
• Self-motivated, organized, and able to work both independently and as part of a team.

Physical Requirements & Work Environment

• Primarily an office environment; occasional visits to warehouse or production areas may be required.
• Ability to sit for extended periods and use a computer and telephone throughout the workday.

What Summit Offers

• Competitive compensation based on experience.
• Comprehensive benefits package (medical, dental, vision, and retirement plan options).
• Paid time off and holidays.
• Opportunity to grow with a stable, 30+ year industry leader in stair and millwork products.

Summit Stairs and Millwork is an Equal Opportunity Employer.