Credit Account Specialist

Job Description

Job Description

IFA, an intermountain agricultural and retail cooperative, is seeking a qualified individual to fill the position of Credit Account Specialist in the corporate office in Salt Lake City, Utah.JOB DESCRIPTION: The Credit Account Specialist manages the day-to-day operations of customer credit portfolios, ensures billing accuracy, and maintains the financial integrity of organization accounts. This role acts as a primary liaison between the organization and its clients, balancing risk management with exceptional customer service to support business growth. The ideal candidate evaluates financial risks, reconciles payment discrepancies, handles billing disputes, and resolves collection issues to secure timely revenue flow.RESPONSIBILITIES INCLUDE:Credit Assessment and Risk AnalysisEvaluate credit applications: For new and existing commercial or individual accounts using credit agency reports, trade references, and appropriate Government agencies.Establish and periodically review appropriate credit limits and payment terms based on comprehensive risk assessments, company policies, and changing market conditions.Portfolio Management and CollectionsMonitoring accounts receivable aging reports regularly to proactively identify overdue invoices and high-risk account activity.Conduct outbound outreach via phone and email to secure timely payments from delinquent accounts while maintaining positive client relations.Negotiate structured payment arrangements with customers facing hardship.Dispute Resolution and Customer Service: Investigate a resolve, reconcile, and resolve billing discrepancies, unidentified payments, and unapplied cash allocations.Review and make informed decisions on releasing held orders based on account standing and company credit policies.Provide dedicated account support by answering internal and external customer inquiries timely.Compliance ManagementAdhere strictly to local, state, and federal laws governing credit extension, fair debt collection, and customer data privacy.Maintain meticulous account records and documentation files to ensure seamless internal controls and audit compliance.Cross-functional Collaboration: With sales, accounts receivable, and customer support teams to facilitate new client setups and preserve relationships.Provide Financing options that are availableSubmit invoicing to third party platforms as needed.Answer department phone calls as they come in and respond to emails promptly Required Qualifications:Education: Some college preferred or recorded training withing NACMExperience: One to three years of related accounts receivable/credit and collection experienceSoftware Proficiency: Hands on experience using SAP software is a plusAnalytical Thinking: Ability to dissect complex account balances to provide superior customer service and conflict resolutionEffective Communication: Clear, articulate verbal and written communication skills for cross – departmental alignment and client outreach. BENEFITS: IFA offers a comprehensive benefits package including medical and dental insurance, vision reimbursement plan, 401K, life insurance, long-term disability, vacation time, sick time, paid holidays, employee discounts, as well many other incredible benefits. Compensation will be based on experience and qualifications. IFA is an Equal Opportunity Employer