Credit and Collections Analyst

The Credit and Collections Analyst will manage and monitor customer accounts, evaluate credit risk, and ensure the timely collection of outstanding payments. You will play a key role in maintaining healthy cash flow while minimizing bad debts and managing customer relationships effectively. The ideal candidate will perform account analysis, research payments/discrepancies, validate transactions, expedite resolution of billing issues to increase cash flow, be an excellent communicator, proactive problem-solver, and able to work efficiently under deadlines.

A competitive salary, health, dental, and 401k matching available. Hybrid work week; 3 of 5 days in office.

Essential Functions:

• Review customer credit applications and analyze business credit to assess creditworthiness.
• Monitor and evaluate credit limits based on payment behavior, credit reports, and financial stability.
• Assess and process order release requests timely.
• Manage the collection process for overdue accounts, ensuring timely payment collection via email, phone calls, or other communication methods.
• Update accurate account information including ship to locations and customer contacts.
• Coordinate with the sales team to address any customer disputes or issues impacting collections.
• Reconcile customer accounts, ensuring all payments are correctly applied and discrepancies are resolved.
• Review aging reports and prioritize accounts based on payment due dates and customer risk.
• Act as the primary point of contact for customers regarding payment inquiries and credit-related issues.
• Work closely with internal departments (sales, finance, etc.) to resolve customer concerns while maintaining strong business relationships.
• Maintain accurate records of all customer communications, payment agreements, and collection actions.
  
  
  

Requirements:

• Bachelor’s degree or equivalent work experience.
• 2 years of credit and collections experience preferred.
• Strong knowledge of risk analysis and the collections process.
• Strong understanding of credit reports and payment terms.
• Experience with ERP systems and collections software (Epicor P21 and Cash Collect a plus).
• Customer payment portal experience is a plus.
• Commitment to accurate data entry and account maintenance.
• Ability to navigate multiple systems simultaneously with accuracy and efficiency.
• Comfort working in a metric/KPI-driven environment with accountability for collection goals, aging targets, and credit review turnaround.
• Excellent written and verbal communication skills, with professionalism in difficult conversations.
• Ability to maintain strong customer relationships while enforcing credit policies professionally.
• Proven analytical and critical-thinking skills.
• Strong time-management skills and ability to meet deadlines.
• Ability to work independently and as part of a team.
• Strong attention to detail with a proactive, results-oriented work style.
• Project management capability.
• This job description is not intended as a complete list of all job duties. The incumbent may be required to perform other duties and tasks as assigned.