Commercial Credit Analyst

Job Description

SmartHire is hiring for a Commercial Credit Manager for a client in Tacoma WA. This is a Full Time, Direct Hire position that is fully onsite. Ideal candidate will have roughly 5 years of commercial credit experience and strong technical skills. A degree in finance, accounting, business, or a related field along with experience in transportation, equipment rental or leasing, or B2B commercial credit is preferred. Looking for someone with strong financial acumen to take ownership of this role.

Credit Manager

Location: Tacoma WA

Salary: $100k + DOE + bonus eligible

Benefits : Health insurance, Dental Insurance, Vision Insurance, HAS, FSA, Life insurance, disability insurance, 401k match, employee referral and more

Schedule: Monday – Friday days – fully onsite – flexible start time

Industry : Transportation

The Credit Manager oversees commercial credit and collections to protect cash flow, minimize financial risk, and support business growth. This role evaluates customer creditworthiness, establishes credit limits and payment terms, and manages delinquent accounts and bad debt. The ideal candidate brings strong financial analysis skills, sound judgment, and a practical approach to balancing credit risk with customer relationships.

Key Responsibilities

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• Review and approve customer credit applications to support timely business decisions.
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• Analyze financial statements, credit reports, and trade and bank references to assess creditworthiness.
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• Establish and adjust credit limits and payment terms based on financial risk, payment history, and account activity.
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• Maintain credit policies and procedures and ensure consistent application across the organization.
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• Monitor overdue and at-risk accounts, recommending credit holds, deposits, guarantees, or other protective measures.
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• Coordinate collection efforts, including referrals to collection agencies and legal counsel when appropriate.
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• Prepare recommendations for account write-offs and bad debt reserve adjustments.
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• Monitor bankruptcies, liens, and other credit events that may affect outstanding balances.
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• Analyze credit and collection trends and recommend process improvements.
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• Partner with sales, operations, and leadership to resolve account issues and support responsible growth.
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• Provide guidance and training on credit policies and collection practices.
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• Advise leadership on significant credit decisions, major accounts, and overall credit exposure.
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Qualifications

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• 5 years of commercial credit experience in transportation, equipment rental (similar) or financial institutions
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• Bachelor’s degree in finance, accounting, business, or a related field
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• Experience managing business-to-business credit and collections
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• Professional credit certification, such as CCRA or CCE, is a plus.
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• Strong ability to read and interpret financial statements and assess financial risk.
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• Excellent communication, negotiation, and problem-solving skills.
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• Highly organized, detail-oriented, and able to manage competing priorities.
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• Self-motivated with the ability to work independently and collaborate across departments.
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• Proficiency in Microsoft Excel, Word, Outlook, and accounting or ERP systems.
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SmartTalent is an Equal Opportunity Employer