Credit Review AR Analyst

Credit Review & Ar Analyst

Join TD SYNNEX's Credit team as a Credit Review & AR Analyst focused on credit risk analysis for a large, fast-paced technology distribution organization. This role blends financial analysis with relationship management: you'll evaluate customer creditworthiness, set and monitor credit limits and terms, review sales orders for release, and work closely with sales, customers, and cross-functional teams to protect revenue while controlling credit risk. This is a highly dynamic role that rewards strong communication, analytical curiosity, and a desire to grow into senior credit roles.

What You'll Do:

• Manage a portfolio of customer accounts (typical portfolio size ~1525 accounts) and complete scheduled credit reviews on a monthly cadence to maintain accurate credit limits and controls.
• Perform financial statement analysis and interpret balance sheets, income statements, and cash flow information; perform deeper reviews for credit requests > $50K.
• Respond rapidly to urgent or "rush" credit requests tied to high-value sales opportunities, balancing speed and risk mitigation.
• Review and release sales orders within established credit guidelines; escalate or recommend holds when appropriate.
• Negotiate credit remedies and risk controls (e.g., collateral, Personal Guarantees, PMSI, revised terms) with customers and recommend solutions to senior credit stakeholders.
• Communicate professionally with sales teams, customers, TD SYNNEX Capital, FP&A, logistics, and other internal partners to gather information, validate forecasts, and resolve discrepancies.
• Document credit decisions and underlying rationale clearly and promptly in company systems to ensure auditability and consistent portfolio management.
• Use available tools (credit platforms, Excel exports, and AI-enabled tools) to analyze account data; heavy Excel modeling is not required but basic spreadsheet skills are necessary.
• Contribute to process improvements and strategic initiatives as assigned; work both autonomously and collaboratively on projects that increase efficiency and reduce risk.
• Maintain confidentiality and adhere to company policies, controls, and compliance expectations; be prepared for occasional on-call or nonstandard hours as business needs dictate.

What Success Looks Like

• Timely completion of portfolio reviews and accurate, well-documented credit decisions.
• Effective, diplomatic communication with sales and customers that enables revenue while protecting the balance sheet.
• Demonstrated growth in handling increasingly complex credit assessments and meaningful contributions to process improvements.

What We're Looking For: Required

• 13 years relevant experience in credit analysis, accounts receivable, finance, or related roles.
• Basic financial statement analysis skills and comfort working with accounting and finance terminology.
• Strong written and verbal communication skills in English; ability to interact professionally across teams and with customers.
• Organized, detail-oriented, able to manage competing deadlines in a fast-paced environment.
• Proficiency with Microsoft Office (Outlook, Word, Excel) and willingness to learn internal credit/AR systems and AI-assisted tools.

Preferred

• Bachelor's degree in Accounting, Finance, Economics, or related field or equivalent years of relevant experience.
• Experience managing customer portfolios, handling credit requests > $50K, or negotiating credit terms and security.

Working Conditions & Schedule

• Hybrid role based in Clearwater, FL (generally three days per week on-site Tues-Thurs.)
• May require shift flexibility, occasional overtime, or on-call availability depending on business needs.
• Professional office environment with collaborative team structure and mentorship.

At TD SYNNEX, our values guide everything we do: Together, We Own It, We Dare to Go, We Grow and Win, and above all, We Do the Right Thing. These principles shape how we work with each other, our partners, and our communities as we drive innovation and create lasting impact.

What's In It For You?

• Elective Benefits: Our programs are tailored to your country to best accommodate your lifestyle.
• Grow Your Career: Accelerate your path to success (and keep up with the future) with formal programs on leadership and professional development, and many more on-demand courses.
• Elevate Your Personal Well-Being: Boost your financial, physical, and mental well-being through seminars, events, and our global Life Empowerment Assistance Program.
• Diversity, Equity & Inclusion: It's not just a phrase to us; valuing every voice is how we succeed. Join us in celebrating our global diversity through inclusive education, meaningful peer-to-peer conversations, and equitable growth and development opportunities.
• Make the Most of our Global Organization: Network with other new co-workers within your first 30 days through our onboarding program.
• Connect with Your Community: Participate in internal, peer-led inclusive communities and activities, including business resource groups, local volunteering events, and more environmental and social initiatives.

Don't meet every single requirement? Apply anyway.

At TD SYNNEX, we're proud to be recognized as a great place to work and a leader in the promotion and practice of diversity, equity and inclusion. If you're excited about working for our company and believe you're a good fit for this role, we encourage you to apply. You may be exactly the person we're looking for!

We are an equal opportunity employer and committed to building a team that represents and empowers a variety of backgrounds, perspectives, and skills. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, gender, gender identity or expression, sexual orientation, protected veteran status, disability, genetics, age, or any other characteristic protected by law. TD SYNNEX is an E-Verify company.