Credit & Collections Analyst

MFA Oil Corporate Office, Columbia, 1 Ray Young Dr, Columbia, Missouri, United States of America Job Description Posted Thursday, July 30, 2026 at 6:00 AM Overview The Credit & Collections Analyst is responsible for analyzing the credit worthiness of both existing and new customers. Key responsibilities will include review of credit applications by analyzing credit scores, bank statements and financial statements to make informed decisions regarding risk and credit worthiness. In addition, the analyst will monitor and manage approved applicants’ account(s), payment history, outstanding debt, collection needs, and all written and verbal communication with both customer(s) and servicing plant location(s) who assist our customer. MFA Oil Company is an Equal Opportunity/Drug-Free Employer. Responsibilities Promptly and accurately analyze consumer and business credit applications, approving or denying credit based on information provided by the applicant, external resources, and all subsequent follow-up clarifications which may include credit reports, bank statements, and other financial records. Notify the applicant and MFA Oil plant regarding application status and credit decision as required by law. Communicate with customers, field personnel, creditors, and credit reporting agencies as necessary to gather and confirm information required for the credit decision. Conduct credit investigations using multiple communication channels with customers, and internal/external resources for credit department management review. Conduct collection activities on assigned account portfolio in consultation with the collection manager. Take appropriate action to resolve challenges and provide exceptional customer service. Analyze and reconcile accounts to determine next collection steps based on account payment history, in consultation with credit department management. Neatly and accurately prepare collection letters and other related communications. Submit delinquent accounts to collection agencies, seeking direction from credit department management for larger accounts. Prepare accounts for referral to legal counsel, ensuring account reconciliation and all related documentation is accurate and complete. Update and maintain electronic filing systems for accurate and easy access to customer/account information, and for referral to collection as needed. Assist and prepare special reports as directed by the credit department management. Prepare needed legal affidavits as requested by customers and third-party partners. Follow posted work schedule and adhere to proper clocking procedures to accurately reflect hours worked. Maintain the absolute confidentiality of personal, confidential, and proprietary information in recognition of the privacy and proprietary rights of others at all times, and in both professional and social settings, complying with all privacy laws and regulations, which apply to collections, use and disclosure of personal information. All MFA employees are expected to know and adhere to company and position specific policies and procedures. While this job description contains the primary duties of the position, employees may be expected to perform other duties as assigned. Job Requirements High school diploma or equivalent Two years' business school or college with emphasis on accounting, finance, business administration or economics, or equivalent work experience Computer knowledge and familiarity with Microsoft Office products, including proficiency with Excel and Word. Experience with Oracle JDE/EnterpriseOne systems preferred. 10-key experience Excellent negotiation and decision-making skills Strong organizational skills Strong analytical skills Strong ability to multi-task Excellent verbal and written communication skills Ability and willingness to maintain strict confidentiality of sensitive company and applicant/customer information Ability to speak, read, write, and understand the English language to communicate with customers, coworkers, and supervisors Ability to meet Company requirements, including successful pre-employment background check and drug test Legal authorization to work in the United States Preferred Skills Bachelor's degree with emphasis on accounting, finance, economics, or business administration Knowledge of credit analysis, risk assessment, and analysis of financial statements Proven track record of successful credit administration and/or account collection Ability to work in a high-pressure work environment with competing deadlines High degree of time management skills Ability to work both independently and in a team environment Ability to perform detail work with accuracy Ability to grasp new concepts quickly Ability to work well with others Ability to work at a fast pace Ability to set priorities and goals and develop plans for achieving them ABOUT MFA OIL COMPANY MFA Oil Company, formed in 1929, is a farmer-owned cooperative and a leading propane retailer in the United States. The company supplies fuels, lubricants, and propane to customers in Missouri, Arkansas, Indiana, Iowa, Kansas, Kentucky, Oklahoma, and Tennessee. Through a subsidiary, MFA Oil operates Break Time convenience stores in Missouri; a Big O Tires franchise in Missouri, Arkansas, and Kansas; a solar panel installation company, BluSphere Energy; and APM, a wholesale fuel distributor. BENEFITS Our benefits are designed to invest in you! We offer a comprehensive benefits structure for regular full-time positions, including competitive wages, paid time off, paid company holidays, and the opportunity for eligible employees to share in company success through profit sharing and/or performance incentives. Health benefits include medical, dental, vision, an employee assistance program and company-paid life insurance, and short- and long-term disability. Our retirement benefits include a 401(k) plan with a company match offering pre-tax and Roth options. OUR CULTURE The core values of MFA Oil are aligned with our purpose and are the cornerstones upon which our culture is built. Put Customers First Respect Everyone - Demonstrate high regard or show special attention to customers, coworkers, vendors... everyone you come in contact with. Provide Excellent Service - Go the extra mile to ensure our customers are happy and satisfied with our products and services. Deliver on Your Promises - Do what you say you are going to do, when you say you are going to do it. Every time. Give Your Best - Always give your best effort and seek to improve every day. Never Settle - Settling can lead to compromising on effort and quality of work. Find a way forward and don't settle for 'It can't be done.' Work Passionately - Passion accelerates your abilities, propels you to overcome obstacles and shows customers and co-workers that you care. Lead by Example Do the Right Thing - When we let honesty and integrity be our guide, we will always be headed in the right direction. Take Ownership - Each of us must be accountable for ourselves, our colleagues, our customers and our company. Act with Empathy - When we recognize and understand each other's challenges, we communicate better and grow stronger as a team. GROWTH & DEVELOPMENT We believe there's always room to learn and grow, from entry-level employees to senior leaders. Opportunities exist for internal advancement and professional development including on-the-job training. Educational expense assistance is available for employees seeking to continue their education ambitions aligned with their employment within the company. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. MFA Oil Corporate Office, Columbia, 1 Ray Young Dr, Columbia, Missouri, United States of America #J-18808-Ljbffr MFA Oil Company