Credit Analyst

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Job description

Position Summary/Objective

The Credit Analyst is responsible for analyzing customer financial condition and authorize customer credit lines; address A/R issues with customers and internal personnel in a timely and professional manner; address customer issues related to credit in an effective and appropriate manner; work the Credit Manager to continually improve departmental and company policies and procedures as relates to credit.

Essential Functions & Responsibilities

• Track A/R portions of contracts
• Facilitate Credit requirements, payment schedules, and communicates with Sales staff, Project Managers, Sales Managers, Senior Management, and Credit Manager
• Analyze credit data and financial statements to determine the degree of risk involved in extending credit to customer
• Exercise wise judgment when making risk assessment decisions regarding terms, credit limits, and payment plans up to $30,000 based on credit reporting available, assessing trade references, and customer history
• Facilitate and assess amendments to/for credit limits and terms consideration for existing customers
• Advises planning and production departments of contractual rights and obligations in regards to credit and receivables
• Coordinate work of sales department with production and shipping departments to ensure credit fulfillment of contractual obligations
• Responsible for timely and accurate filings and release of UCCs
• Act as liaison between Sales, Accounting, Credit, Design, & Management for proper adherence to policies and approvals
• Apply payments to customer accounts accurately and timely
• Consult with customers to resolve complaints and verify financial and credit transactions through research and effective communication with customer, Sales, and Accounting
• Communicate and appropriately elevate A/R concerns and resolutions through preparation and distribution of A/R aging to Sales staff and Credit Manager
• Involved in all aspects of receivables management for the Company as required
• Attend NACM meetings as requested
• Other duties as assigned by Credit Manager and/or CFO
  

Competencies, Skills And Abilities

• Strong business acumen with concentration in Accounting and Credit
• Strong working knowledge of economic and accounting principles and practices and the analysis and reporting of financial data
• Accurately interpret credit reports
• Excellent customer service , sales minded attitude
• Excellent interpersonal skills enabling one to effectively and professionally interact and relate to various levels of personnel internally and externally
• Strong math skills
• Strong communication skills, both written and oral
• Advanced proficiency of MS Office suite and operating system
• Strong analytical and decision-making skills
• Excellent ability to assess, negotiate, and follow-up on credit issues
• Ability to work independently so as to effectively self-manage workload and enhance sense of ownership
• Strong organizational skills
• High Multi-tasking with ability to manage a heavy workload while responding timely to customer needs
• Ability to maintain positive attitude and enthusiasm under all circumstances
• Detail oriented
• High level of work ethic - willing to put in time and effort to meet customer needs
• Clean Credit background
  

Education & Experience

• Essential: Bachelor's degree in Business Administration, Accounting, or Finance, 2+ years Credit Analyst
• Preferred: NACM certified, Fair Credit Practices training, 1+ years Sr Credit Analyst, Experience in foodservice sales or distribution, Corporate contract sales experience