Financial Analyst/ Credit Analyst

Schedule: Monday-Friday, 8:30 AM to 5:00 PM
Interview Process: In-Person Interviews Only

Position Summary:

The Credit Analyst is responsible for supporting the organization's credit and collections functions by ensuring timely customer payments and maintaining healthy account portfolios. This role partners closely with customers, Sales teams, Account Executives, and internal stakeholders to investigate and resolve account issues, manage collections activities, and minimize delinquency and bad debt exposure. The ideal candidate possesses strong analytical abilities, excellent communication skills, and a customer-focused approach to problem resolution.

Essential Duties and Responsibilities:

• Manage collection activities for delinquent customer accounts through phone calls, emails, written correspondence, and coordination with Managers and Account Executives.
• Research and resolve customer credit inquiries, account discrepancies, and disputes.
• Create, track, and manage disputes for assigned accounts while ensuring timely resolution.
• Analyze customer account activity and investigate issues related to pricing, freight charges, promotions, volume discrepancies, short payments, and account maintenance.
• Collaborate with customers, Sales personnel, and internal departments to identify and resolve root causes of payment disputes.
• Monitor collection efforts and maintain accurate documentation of customer interactions, collection attempts, and resolution progress.
• Review aging reports and prioritize collection strategies based on account risk and delinquency status.
• Identify trends and recurring issues impacting collections and recommend process improvements.
• Support department initiatives focused on reducing bad debt, improving cash flow, and enhancing portfolio performance.
• Maintain compliance with company policies, credit procedures, and applicable regulations.
• Perform additional duties and special projects as assigned.
  

Required Qualifications

Education

• High School Diploma or GED required.
• Associate's Degree or higher in Accounting, Finance, Business Administration, or a related field preferred.

Experience

• Minimum of 2-4 years of experience in Accounts Receivable, Credit, Collections, or a related financial function.
• Experience managing customer accounts and resolving payment disputes.
• Working knowledge of credit and collections processes, terminology, and best practices.

Knowledge, Skills, and Abilities

• Strong understanding of collection methodologies and credit management principles.
• Proven ability to analyze past-due accounts and determine appropriate collection actions.
• Excellent verbal and written communication skills.
• Strong problem-solving and investigative abilities.
• Ability to build productive relationships with both internal and external customers.
• Effective organizational skills with the ability to manage multiple priorities and deadlines.
• Detail-oriented with strong analytical and critical-thinking capabilities.
• Ability to work independently while also contributing within a team environment.
• Proficient in Microsoft Office Suite, including Excel, Outlook, and Word.
• Experience using ERP and financial management systems such as Workday or similar platforms preferred.

Language Requirements

• Fluent in English, both written and verbal.

Physical Requirements

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.

• Regularly required to sit, stand, walk, speak, hear, and use hands and fingers to operate office equipment.
• Frequently required to use a computer, keyboard, mouse, and telephone.
• Occasionally required to lift, carry, or move items weighing up to 20 pounds.
• Requires visual acuity necessary to perform computer-based work and review documents.

Working Conditions

• Professional office environment.
• Primarily sedentary work with routine use of standard office equipment.
• Regular interaction with customers, vendors, and internal business partners.
• May occasionally experience periods of increased workload driven by collection cycles, month-end activities, or business needs.