Credit Analyst

We are looking for a Credit Analyst to join our growing team! At PDI, our goal is to always be committed to providing quality products with prompt, efficient, courteous service in all segments of our business. We pride ourselves in keeping flexibility of procedures and policy at the forefront so that customer needs are always satisfied. Since 1973, we have maintained our position as a leader in the wholesale distribution industry and offer first‑class service to customers in the residential and commercial plumbing industries, as well as home builders, interior designers, remodelers, and homeowners. We operate 19 branch locations and 14 showrooms throughout Georgia, Tennessee, and South Carolina. Function: As a Credit Analyst, your primary role is to assess the creditworthiness of customers and manage credit risk to ensure the financial stability of the company. You will analyze credit applications, evaluate financial information, and make informed decisions regarding credit approvals and terms. Additionally, you will monitor customer accounts, address delinquencies, and collaborate with internal teams to optimize credit processes and support business objectives. Principal Duties and Responsibilities: Review credit applications and assess the creditworthiness of new and existing customers. Analyze financial statements, credit reports, and other relevant information to determine credit risk and establish appropriate credit limits and terms. Make informed decisions regarding credit approvals, denials, or modifications based on established credit policies and risk assessment criteria. Communicate credit decisions to customers and internal stakeholders in a timely and professional manner. Communicate credit terms, payment expectations, and credit‑related policies to customers. Address inquiries and aid customers regarding credit applications, account balances, payment terms, and credit disputes. Monitor customer accounts for changes in credit risk, payment behavior, and account status. Identify early warning signs of potential delinquency or default and take proactive measures to mitigate credit risk and prevent bad debt losses. Manage the collections process for delinquent accounts, including contacting customers to resolve payment issues, negotiating repayment plans, and escalating collection efforts as necessary. Work closely with sales representatives and account managers to address customer concerns and resolve payment disputes. Identify and assess credit risk factors, industry trends, and economic conditions that may impact customer creditworthiness. Develop and implement risk mitigation strategies to minimize bad debt exposure and optimize cash flow. Assist in the development and maintenance of credit policies, procedures, and guidelines. Recommend updates and enhancements to credit risk management practices to improve efficiency, effectiveness, and compliance with regulatory requirements. Prepare and analyze credit‑related reports, metrics, and trends to monitor portfolio performance, assess credit risk exposure, and identify opportunities for process improvement. Present findings and recommendations to management for decision‑making and strategic planning purposes. Position Requirements: Associate’s degree (finance, accounting, business, or related field) and/or 1-2 years of experience Previous experience in credit analysis, risk management, or accounts receivable management, preferably in the wholesale industry. Strong analytical skills and attention to detail. Knowledge of financial statement analysis, credit scoring models, and credit risk assessment techniques. Excellent communication and interpersonal skills. Ability to make sound decisions under pressure and manage competing priorities. Proficiency in Microsoft Excel and other financial analysis tools. Familiarity with credit management software and ERP systems (preferred). #J-18808-Ljbffr