Credit Representative

About M&DFor the past About M&DFor the past 80 years, M&D has led the aftermarket in remanufacturing innovation to address technological advancements and changing customer needs. In the past few decades, we have expanded beyond our remanufacturing roots to develop close (and sometimes exclusive) partnerships with the world’s leading OEMs and manufacturers.Those partnerships with key suppliers like Bosch, Garrett, Federal Mogul, Cummins, Stanadyne, Holset, BorgWarner, Delphi, Yanmar, Mitsubishi, Denso and others have been critical in honing our remanufacturing capabilities and expanding our parts offering to include new, no core options in fuel injectors and fuel pumps, diesel engine cylinder heads, blocks, crankshafts and connecting rods. M&D also stocks a complete assortment of turbos (new and remanufactured), inframe overhaul kits, filtration and aftertreatment parts including DPFs, DOCs, EGRs, sensors and other engine parts.Our strong remanufacturing roots combined with our 41 branch locations, a nationwide outside sales team of 25 and our close OEM & Manufacturer partnerships make us unique in the industry – no one understands diesel engine failure analysis and parts better than M&D. WE FUEL UPTIME. About The RoleThe Credit Representative plays a crucial role in managing and maintaining the financial relationships between the company and its clients. This position is responsible for assessing credit applications, monitoring outstanding accounts, and ensuring timely collection of payments to support the company’s cash flow and minimize financial risk. The role requires effective communication with customers to resolve billing issues, negotiate payment plans, and provide credit information. The Credit Representative collaborates closely with sales, finance, and customer service teams to ensure accurate credit evaluations and adherence to company credit policies. Ultimately, this position contributes to the company’s financial health by balancing customer satisfaction with prudent credit management. Minimum QualificationsMinimum QualificationsThe following are required or preferred for the role. Proficiency with credit management software and Microsoft Office applications. Strong understanding of credit principles, financial statements, and risk assessment. Excellent communication and negotiation skills. High school diploma or equivalent; associate or bachelor’s degree in finance, business, or related field preferred. Proven experience in credit analysis, collections, or a related financial role. Preferred QualificationsPreferred QualificationsExperience working in a credit representative or credit analyst role within a similar industry. Familiarity with relevant laws and regulations governing credit and collections. Certification in credit management (e.g., Certified Credit Professional) is a plus. Ability to analyze complex financial data and make sound credit decisions. Experience with CRM systems and advanced Excel skills. ResponsibilitiesResponsibilitiesEvaluate credit applications by analyzing financial data and credit reports to determine creditworthiness. Monitor customer accounts to identify overdue payments and initiate collection activities as necessary. Communicate with customers to resolve billing discrepancies, negotiate payment arrangements, and provide credit-related information. Maintain accurate records of credit transactions, customer interactions, and payment histories in the company’s database. Collaborate with internal teams such as sales and finance to ensure credit policies are followed and to support business objectives. SkillsSkillsThe Credit Representative uses analytical skills daily to assess credit applications and evaluate financial data, ensuring informed credit decisions. Strong communication and negotiation skills are essential for interacting with customers to resolve payment issues and establish mutually agreeable payment plans. Organizational skills help maintain detailed records and manage multiple accounts efficiently. Proficiency in credit management software and Microsoft Office enables accurate tracking and reporting of credit activities. Additionally, collaboration skills facilitate effective teamwork with sales and finance departments to align credit practices with overall business goals. NoteNoteM&D provides equal employment opportunity to all qualified applicants and employees without regard to race, color, sex, religion, national origin, age, sexual orientation, gender identity, marital status, familial status, disability, military status, and genetic information.M&D provides equal employment opportunity to all qualified applicants and employees without regard to race, color, sex, religion, national origin, age, sexual orientation, gender identity, marital status, familial status, disability, military status, and genetic information.This job posting does not state or imply that these are the only duties to be performed by this employee. The employee will be required to follow any other instructions and to perform any other duties requested by their leader. #J-18808-Ljbffr M&D