Credit Analyst

About the role

Triad Metals, a premier wholesale distributor and processor of structural steel, tubing, pipe, piling, and plate products with six locations in the United States and Canada, is seeking a motivated Credit Analyst to join the Credit Department in Horsham, Pennsylvania.

A Credit Analyst evaluates the creditworthiness of businesses by analyzing financial information, assessing risk, and making recommendations on whether to approve credit terms. They help minimize financial risk while supporting profitable lending decisions.

Responsibilities

• Analyze financial statements, tax returns, business credit reports, and trade references.
• Assess borrowers' ability to repay for materials delivered and identify credit risks.
• Prepare detailed credit analysis reports and credit line recommendations.
• Conduct financial ratio analysis and risk assessments.
• Monitor existing customer portfolios.
• Contact customers to collect past-due balances and reduce the overall risk of bad debt.
• Review application documentation for accuracy and compliance.
• Assist with investigating and resolving payment discrepancies.
• Ensure compliance with internal credit policies and regulatory requirements.
• Stay informed about industry trends, market conditions, and economic factors affecting borrowers.

Requirements

• Bachelor's degree in Finance, Accounting, Economics, or Business Administration.
• 2–5 years of experience in credit analysis, commercial banking, or financial analysis.
• Strong understanding of financial statements and general accounting principles.
• Knowledge of lending practices and risk management.
• Proficiency in Microsoft Office.
• Excellent analytical, communication, and report-writing skills.
• Attention to detail and strong problem-solving abilities.

Benefits

• Health, dental, and vision benefits.
• Company-matched 401(k) Plan.
• Annual bonus.