Accounts Receivable Analyst

Description:

Position Title

Credit Analyst / Accounts Receivable Accountant

Department

Credit & Risk Management

Reports To

Credit Manager

Position Summary

The Credit Analyst is responsible for evaluating the financial strength, creditworthiness, and risk profile of customers seeking credit with the organization. This position analyzes financial statements, credit reports, cash flow, collateral, and other relevant information to make informed credit recommendations. They work closely with sales, accounting, finance, and operations teams to support profitable business growth while minimizing credit risk. This role includes Accounts Receivable responsibilities including but not limited to setting up and monitoring customer accounts, processing cardtrol transactions, as well as other general accounting duties. The ideal candidate will possess strong analytical skills, sound business judgment, and at least three years of experience in credit analysis, commercial lending, financial analysis, or a related field.

Key Responsibilities

Analyze customer financial statements, tax returns, cash flow statements, and supporting documentation.

Review commercial credit reports and public financial information.

Assess liquidity, leverage, profitability, and repayment capacity using financial ratio analysis.

Monitor existing accounts for changes in creditworthiness and financial condition.

Conduct periodic credit reviews and renewals.

Partner with sales teams and Accounts Receivable to support customer relationships and collections.

Ensure compliance with company credit policies and maintain accurate documentation.

Customer account maintenance

Process AR transactions

Required Qualifications

Bachelor's degree in Finance, Accounting, Economics, Agricultural Economics, Business Administration, or a related field.

Minimum 3 years of experience in credit analysis, commercial lending, financial analysis, or risk management.

Strong understanding of financial statement analysis and commercial credit underwriting principles.

Proficiency with Microsoft Excel and financial analysis tools.

Preferred Qualifications

Experience in agribusiness, agricultural lending, grain, energy, or cooperative environments.

Knowledge of UCC filings, collateral evaluation, and secured lending practices.

Key Competencies

Financial Analysis

Credit Risk Assessment

Decision Making

Business Acumen

Attention to Detail

Communication Skills

Problem Solving

Relationship Management

General Accounting

Performance Measures

Quality and accuracy of credit recommendations

Portfolio delinquency rates

Bad debt and credit loss performance

Timeliness of reviews and approvals

Compliance with policies and audit requirements

Bachelor's degree in Finance, Accounting, Economics, Agricultural Economics, Business Administration, or a related field.

Minimum 3 years of experience in credit analysis, commercial lending, financial analysis, or risk management.

Strong understanding of financial statement analysis and commercial credit underwriting principles.

Proficiency with Microsoft Excel and financial analysis tools.

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