Senior Credit Analyst

 

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Position Overview:

The Senior Credit Analyst manages a portfolio of customer accounts, partnering with Sales and Operations to optimize accounts receivable (AR) performance while balancing risk and customer experience.

This role is responsible for monitoring key AR metrics—including DSO, ADTP, past due aging, and bad debt—through proactive collections, credit underwriting, and data-driven decisioning. The Senior Credit Analyst evaluates customer financial health using internal and external data sources and recommends credit limits, terms, and risk classifications.

This position serves as an escalation point for complex account issues and plays a key role in improving credit policies, processes, and overall portfolio performance.

Key Responsibilities 

Credit Risk & Underwriting

• Evaluate credit risk for new and existing customers using financial statements, D&B, trade references, and industry data
• Recommend credit limits, payment terms, and risk classifications within authority guidelines
• Analyze financials and behavioral data to reduce exposure and minimize bad debt
• Review and approve credit requests; escalate high-risk decisions with supporting analysis
• Assess non-standard payment terms (e.g., Net 60) and complete credit scorecards with Sales
• Structure payment plans aligned with risk level and customer relationship

Accounts Receivable & Collections

• Manage AR aging, DSO, ADTP, and delinquency trends across assigned portfolio
• Drive proactive collections through customer outreach and follow-up
• Resolve payment issues including short pays, disputes, deductions, and returned payments
• Provide documentation (invoices, PODs, statements) to support collections
• Identify at-risk accounts and recommend corrective actions
• Report portfolio risk, trends, and collection performance to leadership

Portfolio Management & Business Partnership

• Serve as primary credit contact for Sales, Operations, and Customer Service
• Partner with Sales to balance revenue growth with credit risk management
• Participate in regular reviews of high-risk or high-value accounts
• Execute order hold/release decisions per credit policy
• Resolve order issues in coordination with internal teams (Sales, CSR, CAC)
• Escalate complex account issues to Credit leadership as needed

Process Improvement & Leadership Support

• Process account adjustments, credits, and refunds accurately and timely
• Support onboarding and training of Credit team members
• Act as subject matter resource for credit and collections processes
• Conduct periodic portfolio reviews and identify risk mitigation opportunities
• Support continuous improvement of credit policies, workflows, and controls
• Identify and drive process improvements across AR and collections functions

Required Experience: 

• 5+ years of credit and collections experience (credit analysis, AR management, delinquency resolution)
• Strong understanding of accounting, finance, and credit principles
• Experience analyzing financial statements and assessing credit risk
• Experience working with ERP systems and credit tools

Technical Skills: 

• Microsoft 365 (Excel, Word, Outlook) proficiency required
• Experience with credit platforms (D&B, CreditSafe, Experian, or similar)
• ERP experience required; SAP S/4HANA a plus

Education & Certifications 

• Bachelor’s degree in Finance, Accounting, Business Administration, or related field preferred (or equivalent experience)
• NACM certifications (CBA, CBF, CCE) a plus

Key Skills

• Credit risk analysis & underwriting
• Accounts receivable & collections management
• Financial statement analysis
• DSO / ADTP / AR performance management
• Customer relationship management
• Negotiation & dispute resolution
• Cross-functional collaboration (Sales, Operations, Finance)
• Problem-solving and escalation management
• Strong communication and attention to detail
• Ability to manage multiple priorities in a fast-paced environment

Work Location / Schedule 

• Hybrid