Credit and Collections Analyst

A position at White Cap isn’t your ordinary job. You’ll work in an exciting and diverse environment, meet interesting people, and have a variety of career opportunities. The White Cap family is committed to Building Trust on Every Job. We do this by being deeply knowledgeable, fully capable, and always dependable, and our associates are the driving force behind this commitment. Job Summary Responsible for managing daily credit and collections activities in alignment with company credit policies. The role plays a critical part in mitigating credit risk, protecting accounts receivable, and supporting long-term financial stability. Major Tasks, Responsibilities and Key Accountabilities •Identifies and mitigates financial risks using analytics and reporting to detect trends and prevent delinquencies. •Provides recommendations based on data-driven insights to improve cash flow and minimize bad debt exposure. •Executes and manages mechanic’s lien filings and other legal measures to secure accounts receivable and ensure payment security. •Assesses customer creditworthiness using credit reports and key performance indicators to extend credit judiciously. •Applies credit policies that align with the Risk Framework to support business growth while minimizing credit exposure. •Monitors and improves collections KPIs such as DSO, past due balances, and unapplied cash to maintain a healthy A/R portfolio. •Maintains a high-quality accounts receivable portfolio by ensuring credit decisions are based on prudent risk review. •Escalates customer issues and root-cause drivers of disputes to sales leaders to improve processes and service. •Applies credit holds strategically to meet financial goals while preserving customer relationships. •Other duties as assigned. Nature and Scope Refers complex, unusual problems to supervisor. Under general supervision, exercises some judgment in accordance with well-defined policies, procedures, and techniques. Work typically involves regular review of output by a senior coworker or supervisor. None. Work Environment Located in a comfortable indoor area. Any unpleasant conditions would be infrequent and not objectionable. Most of the time is spent sitting in a comfortable position and there is frequent opportunity to move about. On rare occasions there may be a need to move or lift light articles. No travel required. Education and Experience HS Diploma or GED strongly preferred. Specialized skills training/certification may be required. Generally 2-5 years of experience in area of responsibility. Preferred Qualifications 2-5 years’ experience in credit, collections, and/or accounts receivable - REQUIRED Experience in the construction/supply industry - Preferred. Customer service mindset. Professional phone and email communication skills. Strong problem-solving skills. Must be computer savvy with skills using Excel. Experience with Oracle and getpaid is nice to have. The successful candidate will live in the Central or Eastern Time Zone. If you’re looking to play a role in building America, consider one of our open opportunities. We can’t wait to meet you. White Cap Supply Holdings, LLC ("White Cap") serves as a one-stop shop providing concrete accessories and chemicals, tools and equipment, building materials and fasteners, erosion and waterproofing and safety products to professional contractors by meeting their distinct and customized supply needs in non-residential, residential and infrastructure end markets. White Cap operates nearly 400 branches across the U.S. and Canada with approximately 7,000 employees, and offers nearly 450,000 SKUs to approximately 150,000 customers. White Cap includes the Brafasco and NCA brands in Canada and multiple brands that fall under Construction Supply Group. White Cap was previously known as HD Supply Construction & Industrial and became an independent company in October 2020.