AR Credit Analyst

Job Description

Job Description

Job Title: AR Credit Analyst
Job Description

As an AR Credit Analyst, you will be responsible for analyzing financial data, reviewing financial statements, income, and cash flow to assess a customer's creditworthiness. You will use computer programs to calculate financial ratios, such as debt-to-income, to evaluate financial health and make recommendations regarding loan approvals, denials, or interest rate changes.

Responsibilities

• Analyze financial data and review financial statements to determine creditworthiness.
• Calculate financial ratios using computer programs to evaluate financial health.
• Make recommendations for loan approvals, denials, or interest rate changes.
• Prepare reports summarizing a customer's financial health and lending risk.
• Monitor compliance with bank policies and guidelines.
• Assist with company and client audits.
• Communicate with customers to resolve complaints and verify financial transactions.

• Proficiency in credit analysis.
• Experience in accounts receivable and collections.
• Ability to perform reconciliations and cash applications.
• Knowledge of credit risk and credit management.
• Experience in B2B collections.

• Minimum of 3+ years of Credit Analyst experience.
• 2+ years of experience in construction-related credit (B2B).
• Experience managing high volume/high stress portfolios (1000 applications/month).
• 1+ years of experience with Excel.
• 1+ year of experience navigating multiple ERP systems in a single role.

The position is fully onsite with working hours from 8 AM to 5 PM. The role involves managing a high volume of applications in a high-pressure environment, offering an open-ended contract.

Job Type & Location

This is a Contract position based out of Phoenix, AZ.

The pay range for this position is $25.00 - $29.00/hr.

Eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to specific elections, plan, or program terms. If eligible, the benefits available for this temporary role may include the following:
• Medical, dental & vision
• Critical Illness, Accident, and Hospital
• 401(k) Retirement Plan – Pre-tax and Roth post-tax contributions available
• Life Insurance (Voluntary Life & AD&D for the employee and dependents)
• Short and long-term disability
• Health Spending Account (HSA)
• Transportation benefits
• Employee Assistance Program
• Time Off/Leave (PTO, Vacation or Sick Leave)

This is a fully onsite position in Phoenix,AZ.

This position is anticipated to close on Jul 24, 2026.

Aston Carter provides world-class corporate talent solutions to thousands of clients across the globe. Specialized in accounting, finance, human resources, talent acquisition, procurement, supply chain and select administrative professions, we extend the capabilities of industry-leading companies. We draw on our deep recruiting expertise and expansive network to meet the evolving needs of our clients and talent community with agility and excellence. With offices across the U.S., Canada, Asia Pacific and Europe, Aston Carter serves many of the Fortune 500. We are proud to be a ClearlyRated Best of Staffing® Platinum Award winner for both client and talent service.

The company is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.

If you would like to request a reasonable accommodation, such as the modification or adjustment of the job application process or interviewing process due to a disability, please email View email address on ziprecruiter.com for other accommodation options.

San Francisco Fair Chance Ordinance: Pursuant to the San Francisco Fair Chance Ordinance, for all positions located in the city and county of San Francisco, we will consider for employment qualified applicants with arrest and conviction records.

Massachusetts Lie Detector: It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

Use of Artificial Intelligence (AI): We may use Artificial Intelligence (AI) to support parts of our hiring process, including sourcing, screening, and evaluating candidates. AI helps assess applications and qualifications, but final decisions are made by our hiring team. By applying, you acknowledge and agree that your application may be reviewed using AI tools.