Credit Analyst

Job Summary: The Credit Analyst is responsible for activities involving the extension of credit to both new and existing customers in alignment with the Company’s Credit Policy. This position will assist the Credit & Collections Supervisor in managing the Company’s risk associated with extending credit and ensure timely opening of customer accounts.

The incumbent in this position is expected to model the following practices on a daily basis: 1) Demonstrate alignment with the company's mission and core business values; 2) Collaborate with key internal/external resources; 3) Participate in ongoing self-development. 

What can HOLT Group offer you? 

• A competitive salary, commensurate with your experience and competencies.
• A comprehensive and robust benefits program that includes complete health care, 401(k) matching & Profit-Sharing plan (ROTH and traditional), paid holidays, and a front-loaded PTO program.
• A Tuition Reimbursement program to support the pursuit of accredited college courses.
• An employee development program with professional development staff that allows you to grow your skills and build your competencies to prepare you for future opportunities at HOLT. 

Qualifications and Requirements:

• High school diploma or equivalent required, Bachelor’s Degree in Finance, Accounting or Business preferred
• Minimum one year of experience required, three or more years of experience preferred
• Knowledge of general accounting and billing procedures
• Intermediate MS Office skills (ex. Excel, PowerPoint, Word, etc.)
• Strong research, investigation skills and good judgement skills
• Ability to plan, prioritize and organize effectively
• Exceptional business acumen and attention to detail and accuracy
• Ability to successfully influence and persuade
• Ability to interact with tact and courtesy and maintain a professional manner
• Strong interpersonal communication skills including both written and oral
• Ability to work independently and within a team in a fast-paced, high volume environment with emphasis on accuracy and timeliness
• Ability to read, write, and understand information 

Essential Functions:

• Analyzes credit reporting data and financials for new and existing customers to determine credit worthiness
• Assigns appropriate credit limits and any requirements or restrictions required to minimize risk
• Periodically reviews customer credit limits, account status codes, and makes adjustments based on analysis of financials, payment history, and company policy
• Requests and process updated credit applications on existing accounts according to the Company’s credit policy
• Provides recommendations based on the assessment of new and existing customer’s credit worthiness.
• Requires regular and punctual employee attendance 

• Works safely at all times and adheres to all applicable safety policies; complies with all company policies, procedures, and standards

• Performs other duties as assigned

Supervisory Responsibilities:

• None

Travel:

• Travel up to 10% is to be expected

Physical Requirements:

• This position involves extended periods in a stationary position; additionally, occasional standing, walking, and stooping
• Constant movement and use of limbs; this position requires good manual dexterity, coordination, and stamina
• Occasionally moves materials or equipment weighing up to 10 lb.
• This role frequently communicates with others, must be able to exchange accurate information in these situations
• This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines

Work Environment:

• This job is performed primarily inside an office environment

Disclaimer:

Please note that the above statements are intended to describe the general nature and level of work being performed by employees assigned to this classification. They are not to be interpreted as an exhaustive list of all responsibilities, duties, and skills required of the incumbents so classified. All incumbents may be required to perform duties outside of their normal responsibilities, as needed.