Credit Analyst- Missoula, MT

Responsibilities

• Demonstrate our core values and promote the mission and vision of the company.
• Follow all company policies and regulations for safe work procedures and contribute to the achievement of company safety goals.
• Manage high-volume collections (5–6 hours daily) with a professional, relationship-focused approach, particularly with large and complex customer accounts
• Apply daily cash receipts accurately, including payments tied to specific parts and equipment purchases, rentals, and service work
• Process credit applications and evaluate customer creditworthiness, recommend and establish credit limits
• Monitor account aging and identify trends, potential risks, and escalation needs
• Process account adjustments, credits, and rebills as needed
• Maintain and track customer sales tax exemption certificates
• Support job-based credit tracking, including monitoring payments
• Assist with Notice of Intent filings, lien rights, and waivers to protect company interests
• Coordinate with sales and operations teams to manage credit exposure on large equipment deals, rentals, and service contracts
• Understand and support financing structures common in the equipment industry (progress billing, lease/loan structures, etc.)
• Maintain credit card merchant accounts, including preauthorization’s and account setup
• Respond to chargeback notifications and assist in resolution
• Assist with month-end close, including statements, aging reports (including 90 day analysis), and reporting
• Participate in bad debt reviews and assist with year-end audit requirements
• Assist in evaluating and improving credit policies and procedures to optimize cash flow and minimize risk in a high-value equipment environment
• Support credit analysis efforts, including review of financial statements and payment histories for larger accounts
• Collaborate with leadership to strengthen credit controls, reporting, and cross-department communication
• Prepare and submit documentation to third-party collection agencies
• Assist with lien filings, Notice of Intent submissions, and bankruptcy claims

Support resolution of complex delinquent accounts

• Qualifications
• REQUIRED SKILLS/JOB REQUIREMENTS:
• Highly motivated, detail-oriented, and able to thrive in a fast-paced, transaction-heavy environment
• Strong analytical and problem-solving skills, with the ability to evaluate financial and account data
• Ability to exercise sound judgment, discretion, and confidentiality
• Excellent customer service and relationship management skills
• Strong organizational and time management skills with the ability to handle multiple accounts and priorities
• Effective verbal and written communication skills
• Proactive mindset with interest in process improvement and operational efficiency
• Ability to collaborate across departments (sales, parts, service) and work with all levels of the organization

Demonstrated leadership potential and desire to grow within a credit function