Credit Analyst

#GEM-16621 Deerfield Beach, Florida, USA Full-Time/Part-Time Full-Time Job Description Duties and Responsibilities: Analyze and approve customer credit applications within assigned authority limitsReview financial statements, credit reports, trade references, and payment history to assess riskEstablish, modify, or recommend customer credit limits and payment termsMonitor customer accounts for changes in financial condition and payment performanceManage a portfolio of customer accounts to ensure timely collection of outstanding receivablesContact customers regarding overdue invoices through phone, email, and written correspondenceNegotiate payment arrangements while maintaining positive customer relationshipsInvestigate and resolve billing, pricing, deduction, and payment disputesMonitor aging reports and prioritize collection efforts on high-risk accountsCoordinate account escalations, holds, and release decisions in accordance with company policyMaintain accurate account notes and collection activities within ERP or CRM systemsPrepare reporting on aging, collections performance, bad debt exposure, and credit riskAssist with monthly reserve analysis and write-off recommendationsSupport cash application teams in resolving unapplied or disputed paymentsPartner with Sales teams to balance customer growth opportunities with acceptable risk levels. Work with Customer Service and Operations to resolve order, delivery, and invoice issues impacting collectionsCommunicate credit decisions and account status updates to internal stakeholdersSupport process improvement initiatives focused on reducing DSO and improving cash flowOther duties as assigned. Required Qualifications Bachelor's degree in Finance, Accounting, Business Administration, or related field preferred or 2-5 years of experience in credit, collections, accounts receivable, or financial analysisStrong understanding of credit risk assessment and collection practicesProficiency in Microsoft Excel, including pivot tables, VLOOKUP/XLOOKUP, and reporting toolsExperience with ERP systems and CMR SoftwareExcellent written and verbal communication skillsStrong analytical, problem-solving, and negotiation abilities Preferred Qualifications Experience in wholesale distribution, manufacturing, construction, or HVAC distribution Work Environment: Office Setting-Hybrid Schedule, working 2 days minimum at the office/branch a week.10 a.m. – 7 p.m. est Physical Demand Demand Frequency Sedentary – Lifting 0-10 pounds Occasional Light Lifting – 10-20 pounds Never Moderate Lifting – 20 to 50 pounds Never Heavy Lifting – 50 to 100 pounds Never Pulling/Pushing, Carrying Never Reaching or working above shoulder Never Walking Occasional Standing Occasional Sitting Constant Stooping Never Kneeling Never Repeated Bending Never Climbing Never Desk Work/Computer use/Telephone use Constant Operating a motor vehicle Never Operating a commercial vehicle Never Operating warehouse equipment, forklift, baseloid lift etc Never Other – Talk, Drive, visit customers etc. Occasional EEO Statement: Watsco and its subsidiaries are an Equal Opportunity Employer and do not discriminate on the basis of age, color , race, religion, disability, sex, or national origin. We support a diverse and inclusive workplace where we employ, retain, terminate, and otherwise treat all employees and job applicants on the basis of merit, qualifications and competence. Requirements The Credit Analyst is responsible for evaluating customer creditworthiness, managing accounts receivable, minimizing bad debt exposure, and driving timely collection of outstanding balances. This role partners closely with Sales, Customer Service, Operations, and Finance to support profitable revenue growth while maintaining established credit risk standards.