Credit Analyst

We are looking for a detail-oriented Credit Analyst to join our team in St Paul, MN. In this role, you will evaluate customer credit profiles, support sound lending decisions, and help protect the company’s financial position through effective receivables oversight.

Responsibilities

• Oversee a portfolio of customer accounts and drive timely recovery of outstanding balances through consistent follow-up and account review.
• Examine delinquent invoices, payment discrepancies, and deduction issues, then coordinate resolution to clear open receivables efficiently.
• Arrange structured payment solutions when appropriate, ensuring all agreements remain aligned with company guidelines.
• Record collection efforts, account updates, and customer interactions accurately within company systems and related databases.
• Assess new and existing customer credit requests by reviewing financial information, payment history, and overall risk indicators.
• Recommend credit limits and payment terms based on analysis, policy standards, and the level of exposure associated with each account.
• Track ongoing credit exposure, identify elevated-risk accounts, and raise concerns to leadership when additional action is needed.
• Collaborate with Sales, Customer Service, and shared support teams to resolve billing concerns, communicate account risk, and improve collection outcomes.
• Contribute to compliance with internal credit practices and applicable regulations while supporting initiatives that reduce bad-debt exposure and strengthen processes.

Requirements

• At least 5 years of experience in credit, collections, or accounts receivable functions.
• Bachelor’s degree in Finance, Accounting, Business, or a related discipline, or comparable relevant experience.
• Demonstrated knowledge of commercial credit evaluation and collections practices.
• Strong analytical judgment with the ability to assess risk and make sound credit recommendations.
• Clear written and verbal communication skills with the ability to work effectively across internal teams and with customers.
• High level of accuracy, organization, and attention to detail in managing account documentation and follow-up activities.
• Intermediate proficiency in Microsoft Excel and working knowledge of Microsoft Office applications.
• Experience with NetSuite is preferred; familiarity with credit tools such as Experian or Creditsafe and knowledge of construction-related credit practices, lien laws, or compliance filings is a plus.

Benefits

• Medical, vision, dental, and life and disability insurance.
• Eligibility to enroll in our company 401(k) plan for contract/temporary professionals.