Credit And Collections Analyst

Manage a dedicated portfolio of business-to-business customers, balancing credit risk assessment with proactive collections to maintain a healthy accounts receivable position. This role offers strong benefits, flexible onsite hours, and clear opportunities for long-term growth within a stable, high-performing organization.

Responsibilities

• Establish and maintain effective credit procedures for assigned business-to-business customers.
• Review and analyze credit data from sources such as credit reports, credit references, internal payment history, and input from sales personnel.
• Interpret credit reports to assess customer risk and make informed credit decisions without needing to review full financial statements.
• Maintain and execute effective collection policies and procedures focused on ensuring the quality of trade accounts receivable.
• Manage a defined portfolio of approximately 300–400 customers with a total exposure of around $5 million.
• Drive portfolio performance to maintain at least 80% of accounts in a current status.
• Monitor overall accounts receivable aging for the assigned group and take timely action on past due accounts.
• Conduct outbound and inbound customer communications via phone and email to resolve past due balances and payment issues.
• Provide professional and responsive customer service while addressing billing questions, disputes, and payment arrangements.
• Perform basic accounting-related tasks, including understanding and applying concepts such as debits and credits and cash application impacts.
• Analyze customer and portfolio data to identify trends, risks, and opportunities for improvement in credit and collections performance.
• Create, update, and interpret reports in Excel, including the use of pivot tables and VLOOKUP, to track portfolio metrics and results.
• Collaborate with internal teams, including sales and accounting, to resolve complex account issues and support business objectives.
• Apply business knowledge, including concepts such as interest rates and payment terms, to structure practical solutions for customers.
• Exercise critical thinking and problem-solving skills to handle escalated or complex accounts and to recommend appropriate actions.
• Manage workload independently, organizing daily activities to meet deadlines and performance metrics in a high-stress, results-driven environment.
• Prioritize tasks effectively to handle a large volume of accounts while maintaining accuracy and follow-through.
• Maintain strong attention to detail in documenting account actions, updating systems, and tracking commitments from customers.
• Demonstrate professionalism while contributing positively to a fun, team-oriented culture that values competitions and recognition.
• Participate in peer-led training and shadowing activities to learn processes, tools, and best practices.
• Support continuous improvement of credit and collections processes by sharing feedback and ideas with the team.

Requirements

• Minimum of 2 years of experience in credit, collections, accounts receivable, accounting, or tax, or a relevant combination of these areas.
• Experience in true collections, specifically business-to-business (B2B) collections, rather than call center consumer collections.
• Ability to manage a defined portfolio of customers and focus on achieving portfolio performance targets, such as maintaining 80% current status.
• Proficiency with Microsoft Word and Excel, including creating reports and using pivot tables and VLOOKUP functions.
• General accounting knowledge, including a clear understanding of debits and credits.
• Ability to read and interpret credit reports to assess customer risk and support credit decisions.
• Strong customer service skills, with experience communicating with customers via phone and email.
• Demonstrated critical thinking and problem-solving skills in a financial or credit-related environment.
• Ability to manage oneself effectively, working independently while meeting deadlines and performance expectations.
• Capacity to handle a high-stress role with a large portfolio and significant dollar exposure.
• Strong time management skills with the ability to prioritize tasks in a fast-paced environment.
• High attention to detail and accuracy in managing accounts, documentation, and follow-up.
• Consistent follow-through on commitments to customers and internal stakeholders.
• High level of professionalism in communication and conduct.
• High school diploma or equivalent.

Skills

• College degree or coursework in business, accounting, or a related field, especially for candidates seeking long-term growth within the company.
• Openness to candidates who are recent college graduates with limited experience but a strong interest in credit, collections, or accounting.
• Experience with cash application processes or related accounting functions.
• Comfort working with metrics and performance-based goals, including participating in team competitions tied to results.
• Ability to apply broader business knowledge, including understanding interest rates and how they impact customers and accounts.
• Strong interpersonal skills and a personality that fits well within a collaborative, fun, and high-performing team.
• Willingness to learn through hands-on training, shadowing, and peer support rather than formal classroom-style training.
• Desire for long-term career growth, with interest in progressing to senior roles within the team or moving into other teams within the organization.

Work Environment

The role is 100% onsite and part of a credit and collections team of approximately 15 people. The team operates under a flexible hours model, allowing employees to choose a start time between 7:00 a.m. and 9:00 a.m. and an end time between 3:30 p.m. and 7:00 p.m., while maintaining full-time hours. The team has a strong performance culture and has been a top-performing group for the past five years.

The organization is highly stable, with an average company tenure of about 22 years and an average team tenure of about 5 years, and it has demonstrated resilience by avoiding layoffs during economic downturns. The work environment emphasizes a balance of professionalism and fun, including team competitions based on metrics, prizes, and group outings. Training is hands-on and peer-driven, with new team members learning through shadowing and direct support rather than formal classroom training.

Benefits

• Approximately two weeks of vacation and two weeks of sick pay.
• 10 holidays.
• Medical, dental, and vision coverage.
• 401(k) plan with a 3% match and multiple deductible levels to choose from.
• Eligibility for additional benefits such as critical illness, accident, and hospital insurance, life insurance, short and long-term disability, health spending account (HSA), transportation benefits, and employee assistance program (eligibility requirements apply).

Pay

$18.00 - $22.00/hour.

Schedule

Flexible onsite hours with a choice of start time between 7:00 a.m. and 9:00 a.m. and end time between 3:30 p.m. and 7:00 p.m., maintaining full-time hours.