Credit Analyst

A global leader in the trading & distribution industry is seeking a Credit Analyst to join the team. The Credit Analyst is responsible for managing credit-related activities for assigned products and regions, supporting risk assessment and decision-making, and maintaining the health of a credit portfolio across a diverse global customer base. The ideal candidate is a resourceful and proactive credit professional who enjoys working in a fast-paced, entrepreneurial environment. This individual is comfortable making independent decisions, building relationships with customers and internal stakeholders, and taking ownership of a portfolio while balancing risk and business objectives. Strong communication skills and professional confidence are critical to success in this role. Salary + Additional Benefits: $75,000–$80,000 + 20 % Bonus 401K – company match Hybrid Schedule Location: Houston, TX Type of Position: Direct Hire Responsibilities: Manage credit-related activities for assigned products and regions across North America. Review and approve customer orders within established credit authority limits while balancing risk management and business objectives. Assess and evaluate current and new business opportunities through financial analysis, credit reviews, and risk assessments. Analyze customer financial statements, payment trends, industry conditions, and market factors to determine creditworthiness and recommend appropriate credit exposure. Provide support to senior management in risk assessment and credit decision-making. Partner closely with commercial teams to support business growth while maintaining disciplined credit practices. Liaise with traders, customers, and banks to discuss credit matters and resolve issues. Communicate directly with customers, including finance leaders and executives, regarding financial performance, credit requirements, collections, and account‑related concerns. Request and review third‑party credit reports, financial references, and supporting documentation. Monitor customer payment activity, aging reports, and overall portfolio performance to identify and mitigate potential credit risks. Manage collection efforts for assigned accounts and work proactively to resolve payment issues. Monitor exposure, release orders, and maintain accountability for the overall performance of an assigned portfolio. Analyze and maintain credit limits ranging from small commercial accounts to large multinational organizations. Prepare detailed credit analyses, recommendations, and exposure reports for management review. Visit customers to assess creditworthiness and strengthen business relationships. Participate in customer visits, industry events, and credit conferences as needed. Support continuous improvement initiatives related to credit processes, reporting, and risk management. Uphold internal credit policies and procedures while ensuring compliance with company standards. Requirements: Bachelor’s degree in Finance, Accounting, Business, or a related field required. Minimum 3–5 years of experience in a B2B credit, credit risk, collections, or accounts receivable role. Experience within manufacturing, distribution, chemicals, energy, commodities, trading, logistics, or other business-to-business environments required. Strong financial statement analysis and credit evaluation experience. Advanced Excel skills including Pivot Tables, VLOOKUPs, and data analysis functions. Experience with ERP systems; JD Edwards experience preferred. Exposure to credit management platforms such as GetPaid or HighRadius. Familiarity with business intelligence tools such as Oracle BI is a plus. Highly analytical with strong problem-solving and decision-making skills. Ability to analyze large volumes of information and make sound credit decisions in a fast‑paced environment. Strong communication, presentation, and relationship‑building skills. Comfortable interacting with customers, executives, and senior leadership regarding financial and credit matters. Demonstrated ability to remain firm and objective when making credit decisions, even under commercial pressure. Detail‑oriented with strong organizational and time management skills. Self‑motivated, resourceful, and capable of working independently with minimal supervision. Thrives in a fast‑paced environment with high volumes of communication and competing priorities. English fluency required; Spanish or Portuguese language skills are a plus. #J-18808-Ljbffr