Credit Analyst

Credit AnalystJoin Carboline's team as a Credit Analyst, where you'll play a key role in protecting the company's financial health while supporting business growth. In this position, you'll evaluate customer credit worthiness, manage collections activities, resolve credit holds, and partner closely with Sales, Customer Service, and Accounting to ensure a smooth customer experience and timely payment of accounts.Minimum Requirements:High School Diploma or equivalentMinimum of 1 year of collections, credit, accounts receivable, or related financial experienceStrong analytical, organizational, and communication skillsProficiency with Microsoft Office and financial systemsPhysical Requirements:This position requires minimal physical activity but does involve extended computer usage, up to 8 hours per day.No unusual environmental, lifting, or exertion requirements are associated with this role.Essential Functions:Review and release customer orders on credit hold by assessing account status, payment trends, and credit risk.Evaluate new customer accounts through credit applications, financial statements, references, and credit reports.Establish and recommend credit limits while balancing business growth and financial risk.Monitor customer accounts, resolve credit concerns, and take proactive steps to mitigate risk.Manage collections activities and partner with customers to resolve outstanding balances and improve cash flow.Utilize risk mitigation tools such as bonds, guarantees, joint check agreements, and lien rights when appropriate.Reconcile accounts, resolve discrepancies, and maintain accurate customer records.Support collection agencies and legal recovery efforts through documentation and claim preparation.Apply sound judgment to credit decisions, payment trends, and order approvals, escalating complex situations as needed.Partner with Sales, Customer Service, Accounting, and customers to deliver solutions that support both customer satisfaction and business objectives.Thrive in a fast-paced environment while managing multiple priorities with attention to detail and exceptional service.Who We Are:Carboline is a St. Louis-based coatings manufacturer with a global reach. The company, founded in 1947, produces high-quality performance coatings, linings, and fireproofing products in more than 20 manufacturing facilities around the world. Carboline has been ranked a top workplace, so culture and maintaining a safe and clean work environment is something we take very seriously.Carboline is part of RPM International Inc., a $7.6 billion, multinational company with subsidiaries that are world leaders in specialty coatings, sealants, building materials and related services. From homes and workplaces to infrastructure and precious landmarks, RPM's market-leading brands are trusted by consumers and professionals alike to help build a better world. If you want to be part of a growing global organization with opportunity for growth, we would like to meet you.What We Offer:We offer a team atmosphere that fosters cooperation and creativity; a management team committed to employee development and an environment where people are empowered to make decisions. Our career opportunities offer unlimited earnings potential, and our comprehensive benefits package is among the best in the industry which includes affordable benefits, a company match 401K plan and a retirement pension plan. Carboline is an Equal Opportunity Employer that values the strength diversity brings to the workplace. Individuals with Disabilities and Protected Veterans are encouraged to apply."In order to be the best, we must hire the best."