Sr. Credit Analyst

Senior Credit Representative

The Senior Credit Representative is responsible for managing customer credit risk, supporting collections efforts, and maintaining healthy accounts receivable balances. This role partners closely with Collections, Cash Applications, Billing, Sales, Customer Service, and other internal departments to evaluate customer creditworthiness, resolve payment issues, minimize bad debt exposure, and improve cash flow.

Work Location: Florham Park

Work Schedule: Hybrid (3 days in office 2 days from home)

Key Responsibilities

• Review and evaluate customer credit applications, financial statements, trade references, and credit reports to establish appropriate credit limits and terms.
• Experience navigating D&B Finance & Analytics platform and interpreting the data.
• Monitor customer accounts and assess ongoing credit risk exposure.
• Manage collections activities for assigned accounts to ensure timely payment of outstanding invoices.
• Analyze aging reports and prioritize collection efforts on delinquent accounts.
• Work directly with customers to resolve billing disputes, payment discrepancies, and deduction issues.
• Recommend account holds, revised payment terms, or escalation actions when necessary.
• Prepare and present A/R aging summaries and collection updates to management.
• Collaborate with Sales and Customer Service teams to support customer relationships while protecting company financial interests.
• Maintain accurate customer account documentation and collect notes.
• Support month-end closing activities, bad debt reserve analysis, and audit requests.
• Assist in developing and improving credit and collection policies, procedures, and reporting.
• Mentor junior credit or collections staff as needed.

Qualifications

• Bachelor's degree in Accounting, Finance, Business Administration, or related field preferred.
• 5+ years of experience in credit, collections, or accounts receivable.
• Strong understanding of credit analysis, financial statements, and commercial collections practices.
• Experience working in a Multi-ERP environment –Peoplesoft, Netsuite, Salesforce a plus.
• Microsoft Excel, including pivot tables and reporting tools.
• Excellent communication, negotiation, and critical thinking skills.
• Strong organizational skills with the ability to manage multiple priorities.
• Ability to work independently and collaboratively across departments.

Preferred Qualifications

• Knowledge of the Waste Management Business highly preferred.
• Experience in B2B collections and corporate credit management.
• Knowledge of lien rights, bankruptcy processes, and collection regulations.
• Professional certification such as CBA, CBF, or NACM coursework is a plus.

Key Competencies

• Credit Risk Assessment
• Collections Management
• Financial Analysis
• Customer Relationship Management
• Negotiation Skills
• Attention to Detail
• Analytical Thinking
• Process Improvement
• Team Collaboration

All Reworld positions require a candidate's ability to perform the duties and responsibilities of the role while upholding Reworld's Values, including (but not limited to) contributing to a safe and inclusive workplace, delivering results through trust, and building breakthrough capabilities.

Pay Transparency

Reworld is committed to paying its staff equitably, and we strive to provide competitive compensation and benefits packages. The range below reflects Reworld's reasonable estimate of base pay for this role based on primary posting location. It is expected that most qualified candidates in this location will fall within the posting range. The final salary offered for this role will be determined based on factors including, but not limited to: experience, education, geographic location, skills and competencies, travel requirements and/or union contracts (if applicable). Pay ranges are reviewed from time to time and may be modified in the future.

The pay range for the primary location of this position is: $72,000.00 - $95,800.00 USD per annum

Reworld™ provides an industry-leading benefits package that supports the whole person—and their families—through a balanced approach to mental, physical, and financial wellbeing. Regular full-time employees based in the USA have access to comprehensive medical, prescription drugs, dental, and vision coverage, FSA, HSA, short- and long-term disability benefits. Our 401(k) plan is industry-leading, with an up to 7% company match. Additional benefits include Company-paid life and AD&D insurance, EAP, paid parental leave, and educational assistance. For more information regarding these offerings, please visit the Reworld Careers Benefits Page. Reworld™ reserves the right to amend, suspend or terminate any benefit plan, in whole or in part, at any time.

Our DEI Commitment

Reworld is an Equal Opportunity Employer, has developed an Affirmative Action Program (AAP), and will not discriminate against any qualified applicants because of race, color, religion, sex, national origin, sexual orientation, gender identity, disability (including perceived disability, physical, mental, and/or intellectual disabilities), veteran status, liability for service in the Armed Forces of the United States, or any other characteristic protected by law.