Credit Specialist

Credit Analyst As the largest pureplay adhesives company in the world, H.B. Fuller's innovative, functional coatings, adhesives and sealants enhance the quality, safety and performance of products people use every day. Founded in 1887, with 2024 revenue of $3.6 billion, our mission to Connect What Matters is brought to life by more than 7,500 global team members who collaborate with customers across more than 30 market segments in over 140 countries to develop highly specified solutions that enable customers to bring world-changing innovations to their end markets. Role Overview The Credit Analyst reports to the Credit & Collections Team Leader and their primary responsibility is to perform customer risk assessment and risk mitigation to minimize bad debt expense and maximize sales. They are part of the escalation process within the team troubleshooting and supporting junior staff before escalating to the Credit Team Leader. This position also supports monthly A/R reporting. Primary Responsibilities Customer risk assessment and mitigation (40%) Assesses customer credit condition based on HBF experience, sales input, agency reports, and financial/bank status. Assigns risk ratings and establishes credit limits within authority level or recommends limits that exceed authority. Collaborates with sales and customers to mitigate marginal risk situations and escalates to Manager when appropriate. Timing of risk assessments are within established service agreements. Order holds for over limit and aging conditions (25%) Address customer orders held systematically for over limit and aging conditions with appropriate HBF resource - Manager, Customer Service, Sales, or Customer based on the issues and scope of the exposure. Updates credit risk assessment and recommends changes in credit limits in response to changes in sales volumes. Escalation of Collection Issues (20%) Determines appropriate next steps for collection action after C&C reps have executed routing follow up without success. Collaborates with Sales Managers to determine best approach with customers for delinquency issues and future orders. Recommends options and/or escalates delinquency issues to Manager for complex issues (payment agreements, placements). Respond to customer insolvency situations to minimize bad debt expensesubmit documents to agencies/courts as required. Support for reporting and transaction processing as assigned (15%) Execute queries and assemble established reports for department management reporting or audit processes. Respond to audit inquiries and provide support for controls, reports, or transactions as needed. Provide back up support for A/R Team Leader if needed. Minimum Requirements College Degree in Business, Finance, or Accounting (preferred but not exclusive). Ability to work independently with good troubleshooting and negotiation skills. 1 year of commensurate commercial credit experience. Fluent in English Intermediate Microsoft office skills (specifically excel). Pay is based on several factors including but not limited to education, work experience, certifications, and geographic location. The salary for this role is $65,000 - $85,000. In addition to your salary, H.B. Fuller offers employees a competitive total rewards package including comprehensive benefits, incentive and recognitions programs, health & wellness benefits, 401K contributions, paid time off and paid holidays. Eligibility may vary. H.B. Fuller is an Equal Employment Opportunity employer and proud to have created a collaborative culture where employees around the world are seen, heard, and respected. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, or marital status or status as a protected veteran, or any other legally protected classification. H.B. Fuller does not accept unsolicited resumes from recruiters, employment agencies, or staffing firms. To conduct business with H.B. Fuller, a written service agreement must be executed by Human Resources prior to submitting any information relating to a potential candidate. Without a signed service agreement, H.B. Fuller shall not be obligated for payment of any fee or compensation. #J-18808-Ljbffr