Credit Analyst

About the role

The Credit Analyst I will be responsible for evaluating customer creditworthiness, analyzing financial data, and supporting risk management decisions to minimize company exposure while maintaining strong customer relationships.

Responsibilities

• Evaluate Creditworthiness: Review and analyze credit applications, financial statements, trade/bank references, and external reports (Moody’s Analytics, CreditRiskMonitor®) to assess risk for new and existing accounts.
• Determine and recommend the approval, denial, or modification of credit limits and terms based on risk assessments; assist Sales with order releases for accounts on credit hold.
• Prioritize and process the HighRadius credit module worklist, managing periodic reviews, credit utilization tracking, and bad payment behavior investigations.
• Oversee the Customer Masterfile across all platforms; process setups and updates (billing, tax, address, ownership, and structure changes).
• Build and maintain accurate, audit-ready customer credit files and supporting documentation within company systems.
• Partner with Billing, Collections, and Sales/Marketing teams to resolve account issues and gather essential information for Credit/Bid Risk assessments within Salesforce.
• Respond professionally to internal and external inquiries regarding account status, credit decisions, and external trade reference requests in compliance with disclosure regulations.
• Monitor customer accounts for delinquency trends and exposure risk; prepare and submit monthly aging reports to external credit bureaus.
• Ensure strict adherence to company credit policies, internal controls, and regulatory requirements; proactively identify process improvements to enhance efficiency.
• Collaborate with the Credit Manager on complex risk investigations and serve as the designated backup for the Senior Credit & Corporate Card Analyst.

Requirements

• Associate’s degree in business or equivalent work experience
• 6 months to 2 years of related experience in a corporate environment
• Minimum of 2 years of billing experience using a major ERP accounts receivable module
• Proficient in Microsoft Office Suite

Preferred Qualifications

• 2+ years of credit analysis and collections experience
• Familiarity with credit reporting agencies and credit risk management principles
• Experience with Salesforce and HighRadius
• Oracle AR Module experience
• Oil and gas industry experience
• Membership in a professional Credit Risk Management organization

Behavioral Competencies

• Customer service-oriented with a professional and responsive approach
• Strong attention to detail with the ability to identify and mitigate potential credit risks
• High degree of accuracy in daily responsibilities and data management
• Strong analytical and problem-solving skills with the ability to evaluate complex financial information
• Excellent verbal and written communication skills, including the ability to clearly present financial and credit-related information
• Collaborative, team-oriented mindset with the ability to work effectively across departments
• Adaptable and able to manage changing priorities in a fast-paced environment
• Strong organizational, time management, and multitasking skills with the ability to meet deadlines

Technical Competencies

• Intermediate Proficiency in Microsoft Office Suite, including Excel, Word, Outlook, and PowerPoint

Physical Requirements/Working Conditions

• Office environment
• Able to work overtime and on special projects as needed