Credit Analyst

Scope of Position

Our client is seeking a motivated, analytical Credit Analyst to join our Finance team. This role is instrumental in protecting the company's financial health by evaluating customer creditworthiness, managing credit risk, and supporting the Accounts Receivable team in maintaining a strong receivables portfolio.

Reporting to the Cash & Credit Supervisor, you'll partner closely with Sales, Dealer Services, and Finance to make informed credit decisions that support business growth while minimizing financial risk. The ideal candidate is proactive, detail-oriented, and experienced in commercial credit analysis within a B2B environment.

Responsibilities

• Review and evaluate new dealer credit applications to establish appropriate credit limits and payment terms.
• Analyze financial statements, credit reports, and payment history to assess customer creditworthiness.
• Process trade references and maintain customer credit files.
• Monitor customer accounts to identify financial risks and proactively address potential credit concerns before accounts become delinquent.
• Manage customer credit holds and release orders in accordance with company policies.
• Coordinate the monthly credit review process and recommend adjustments to credit limits as needed.
• Administer domestic and international trade credit insurance programs.
• Maintain the company's Dun & Bradstreet portfolio and other commercial credit reporting resources.
• Prepare and maintain reporting for SICA and Riemer.
• Collaborate with Sales, Dealer Services, and Accounts Receivable to support timely credit decisions while delivering an exceptional customer experience.
• Recommend process improvements that strengthen credit controls, reduce risk exposure, and improve operational efficiency.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field, or an equivalent combination of education and experience.
• 3-5 years of experience in commercial credit analysis, accounts receivable, or financial analysis in a B2B environment.
• Strong knowledge of financial statement analysis, commercial credit, risk assessment, and collections.
• Experience working with credit reporting agencies such as Dun & Bradstreet and trade credit references.
• Proficiency with ERP systems and Microsoft Office, particularly Excel.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong communication and interpersonal skills with the ability to explain credit decisions professionally to internal stakeholders and customers.
• Highly organized with exceptional attention to detail and the ability to manage multiple priorities in a fast-paced environment.
• Proven ability to build collaborative relationships across departments while balancing customer service with sound business judgment.

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