Credit Account Specialist

IFA, an intermountain agricultural and retail cooperative, is seeking a qualified individual for the Credit Account Specialist position in the corporate office in Salt Lake City, Utah.

About the role

The Credit Account Specialist manages the day-to-day operations of customer credit portfolios, ensures billing accuracy, and maintains the financial integrity of organization accounts. This role acts as a primary liaison between the organization and its clients, balancing risk management with exceptional customer service to support business growth.

Responsibilities

• Credit Assessment and Risk Analysis
  • Evaluate credit applications for new and existing commercial or individual accounts using credit agency reports, trade references, and appropriate Government agencies.
  • Establish and periodically review appropriate credit limits and payment terms based on comprehensive risk assessments, company policies, and changing market conditions.
• Portfolio Management and Collections
  • Monitor accounts receivable aging reports regularly to proactively identify overdue invoices and high-risk account activity.
  • Conduct outbound outreach via phone and email to secure timely payments from delinquent accounts while maintaining positive client relations.
  • Negotiate structured payment arrangements with customers facing hardship.
• Dispute Resolution and Customer Service
  • Investigate, reconcile, and resolve billing discrepancies, unidentified payments, and unapplied cash allocations.
  • Review and make informed decisions on releasing held orders based on account standing and company credit policies.
  • Provide dedicated account support by answering internal and external customer inquiries timely.
• Compliance Management
  • Adhere strictly to local, state, and federal laws governing credit extension, fair debt collection, and customer data privacy.
  • Maintain meticulous account records and documentation files to ensure seamless internal controls and audit compliance.
• Cross-functional Collaboration
  • Collaborate with sales, accounts receivable, and customer support teams to facilitate new client setups and preserve relationships.
  • Provide financing options that are available.
  • Submit invoicing to third-party platforms as needed.
  • Answer department phone calls as they come in and respond to emails promptly.

Requirements

• Education: Some college preferred or recorded training within NACM.
• Experience: One to three years of related accounts receivable/credit and collection experience.
• Software Proficiency: Hands-on experience using SAP software is a plus.
• Analytical Thinking: Ability to dissect complex account balances to provide superior customer service and conflict resolution.
• Effective Communication: Clear, articulate verbal and written communication skills for cross-departmental alignment and client outreach.

Benefits

• Comprehensive benefits package including medical and dental insurance.
• Vision reimbursement plan.
• 401K.
• Life insurance and long-term disability.
• Vacation time, sick time, and paid holidays.
• Employee discounts.
• Many other incredible benefits.