Credit Analyst

About the role

The Credit Analyst is responsible for managing credit risk, accounts receivable, and collections activities for an assigned region within Interface Americas. This role evaluates and analyzes customer financial information to determine creditworthiness, establishes appropriate credit limits, and ensures compliance with company credit policies and procedures.

Responsibilities

• Review and analyze customer financial information, credit applications, and supporting documentation to determine creditworthiness
• Evaluate customer creditworthiness and assess risk exposure
• Establish, recommend, and approve credit limits within assigned authority levels
• Maintain customer accounts to ensure compliance with company credit policy and procedures
• Monitor and assess credit risk on customer accounts and take appropriate action to mitigate exposure
• Support daily order release process by reviewing orders for accuracy, credit risk, and policy compliance
• Manage accounts receivable portfolio for assigned region, including monitoring aging and delinquency trends
• Perform collection activities on past due accounts and follow up to ensure timely resolution
• Escalate high-risk accounts and significant credit issues to management as appropriate
• Investigate and resolve customer billing, payment, and credit discrepancies in collaboration with internal teams
• Review and procure payment bonds, liens, and other credit security instruments as required to protect receivables
• Ensure compliance with applicable lien laws and filing deadlines to preserve legal rights
• Prepare and maintain required documentation including joint check agreements and project information sheets
• Partner with sales, customer service, and operations to support business objectives while maintaining credit discipline
• Maintain accurate credit records and provide reporting or updates as required

Requirements

• 3 years of collection and/or previous credit experience preferred
• Strong analytical and financial assessment skills
• Strong organizational and time management skills
• Ability to multi-task and manage time-sensitive transactions
• Excellent verbal and written communication skills
• Strong problem-solving and decision-making ability
• Ability to exercise independent judgment and remain objective
• Ability to develop and maintain positive internal and external relationships
• Proficiency with Microsoft Office, particularly Excel
• Experience with JD Edwards EnterpriseOne preferred
• Knowledge of lien laws, bonds, and credit risk mitigation tools preferred

Qualifications

• High school diploma required
• College degree in Business, Accounting, Finance, or related field preferred