Credit Analyst

What We Offer

• Flexible time off policy
• 401K Company match (up to 4% - dollar for dollar)
• Professional development, training, and tuition reimbursement programs
• Excellent medical, dental, vision, and life insurance policy options
• Opportunities for career advancement with an industry leading company

Key Responsibilities

• New Customer Setup
  • Review new customer applications for completeness and ensure all required documents are obtained
  • Research credit history on potential new customers, using available tools to determine credit worthiness
  • Complete initial credit review and set initial customer credit limits subject to AFL credit policy
• Credit Review / Existing Customers
  • Review credit limit requests for completeness
  • Review payment history to ensure alignment with AFL credit policy
  • Provide initial response to requested credit limit updates
• Business Unit Override
  • Preparation of business unit override requests in accordance with corporate credit policies
  • Ensure proper documentation and justification for exceptions to standard credit limits
  • Assist supervisor in monitoring override trends and escalate concerns
• Audit Compliance
  • Ensure adherence to internal controls and compliance with SOX/JSOX and audit requirements
  • Partner with internal and external auditors to provide documentation, testing support, and remediation of findings
  • Assist supervisor in maintaining accurate records of credit decisions and override approvals for audit readiness
• Process Improvements
  • Identify opportunities to streamline credit approval processes and reduce manual interventions
  • Assist in implementing automation tools and workflow enhancements to improve efficiency and accuracy
  • Assist in developing and update policies and procedures to reflect best practices in credit risk management
• Cross‑Functional Collaboration
  • Partner with sales, finance, and operations teams to balance customer needs with risk management
  • Communicate credit policies and decisions effectively across business units
  • Support strategic initiatives by providing preliminary credit risk insights and recommendations

Qualifications

• Associate's degree in Finance, Accounting, Business Administration, or related field
• 3+ years of experience in credit management, risk analysis, or financial operations
• Knowledge of global credit risk management, audit compliance, and internal controls
• Experience with ERP systems and credit management tools

Skills & Competencies

• Analytical skills to assess credit risk and global exposure
• Knowledge of audit compliance frameworks (JSOX)
• Ability to communicate recommendations on business unit overrides with sound judgment
• Strong teamwork and communication skills
• Proficiency in Microsoft Excel and ERP platforms
• Continuous improvement mindset with process optimization experience