Credit Analyst

JOB SUMMARY:

The Credit Analyst serves as a strategic partner in supporting business growth, protecting project financial interests, and helping drive informed risk decisions across a dynamic B2B environment. This role combines financial analysis, customer relationship management, project risk evaluation, and operational collaboration to support modern credit and financial operations across all subsidiaries. The ideal candidate is curious, analytical, adaptable, and motivated to contribute to a forward-thinking team focused on continuous improvement, proactive problem solving, and long-term business stability.

ESSENTIAL JOB DUTIES:

• Evaluate financial health, project risk, and customer business trends to help drive smart credit decisions and support long-term customer partnerships.
• Assess business financial statements, trade credit reports, and industry trends.
• Review and evaluate commercial credit applications while coordinating with bank and trade references to support informed credit decisions.
• Identify emerging market trends and risk patterns that may impact customers, projects, and business operations.
• Present financial findings, risk insights, and credit recommendations to leadership teams to support strategic business decisions.
• Ensure strict adherence to established Summit credit policies, regulations, and procedures.
• Recommend credit limits, payment terms, and account conditions based on financial analysis, customer risk, and business considerations.
• Track market conditions, industry trends, and economic changes to proactively identify emerging risks and business impacts.
• Effectively communicate with clients and internal stakeholders, addressing inquiries and providing support.
• Support accurate B2B credit decision-making by maintaining organized customer financial records, documentation, and account information.
• Partner with customers and internal teams to resolve complex, high-impact account challenges through proactive communication, strategic negotiation, and solutions-focused problem solving.
• Coordinate the preparation and review of escalated account documentation for external recovery or legal action in partnership with department leadership.
• Support project risk management efforts by monitoring lien rights across all subsidiaries, coordinating critical filing deadlines, and helping protect the company's financial interests across contracted projects.
• Process incoming bankruptcy notices and take appropriate steps to file claims while continuing to monitor case status.
• Coordinate bad debt write-off processes and monitor account exposure trends to support accurate financial reporting and risk management efforts.
• Other duties may be assigned.

QUALIFICATIONS

The qualifications listed below are representative of the elements required to perform the job successfully; however, in some cases, an equivalent combination of Education, Training, Certifications, and Experience may meet the job qualifications.

Education, Training, Certifications:

• High school Diploma, or equivalent, required.
• Bachelor's degree in Accounting, Finance, or related field, preferred.

Experience, Knowledge, Skill Requirements:

• 3+ years of credit management experience in a similar role
• Understanding of construction contracts and industry-specific financial processes.
• Strong analytical, organizational, and problem-solving skills.
• NACM designation (CBA, CBF, CCE) preferred
• Knowledge of accounting standards and regulations.
• Ability to adapt to changing business needs and work collaboratively across departments.

Communication Skills:

• Must have the ability to effectively read, write, and communicate in English with employees and customers.

Systems and Software Skills:

• Proficiency in accounting software and ERP systems, advanced MS Excel skills.

Other Qualifications:

• Valid driver's license with acceptable driving record required.
• Occasional travel required up to 20%.
• Must be able to comply with Summit's Drug and Alcohol Policy and Background screening requirements, which may also include customer specific requirements based on contractual agreements.

PHYSICAL & WORK ENVIRONMENT REQUIREMENTS

Reasonable accommodation may be made to enable individuals with disabilities to perform essential job duties.

Physical Requirements:

While performing the duties of this job, the employee is required to sit and stand for long periods. Employee will occasionally be required to drive, bend, kneel, balance, lift <20lb, walk, stand, ascend/descend stairs, reach above and below shoulders, stoop, and twist.

Work Environment:

Employee will consistently be required to work indoors in an office or remote setting, sit or stand for extended periods of time, and work alone and with others. The employee will be occasionally required to travel.

We are fully committed to equal opportunities for employment to all individuals regardless of race, national origin, gender, religion, sexual orientation, disability, familial status, and any other classification protected under the law. We are an Equal Opportunity, Affirmative Action employer.

While this job description is intended to be an accurate reflection of the position, management reserves the right to modify, add, or remove duties and to assign other duties as necessary.

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