Credit/Collections Analyst

Responsibilities

• Promptly and accurately analyze consumer and business credit applications, approving or denying credit based on information provided by the applicant, external resources, and all subsequent follow-up clarifications which may include credit reports, bank statements, and other financial records.
• Notify the applicant and MFA Oil plant regarding application status and credit decision as required by law.
• Communicate with customers, field personnel, creditors, and credit reporting agencies as necessary to gather and confirm information required for the credit decision.
• Conduct credit investigations using multiple communication channels with customers, and internal/external resources for credit department management review.
• Monitor assigned account portfolio to identify delinquent accounts.
• Conduct collection activities on assigned account portfolio in consultation with the collection manager.
• Take appropriate action to resolve challenges and provide exceptional customer service.
• Analyze and reconcile accounts to determine next collection steps based on account payment history, in consultation with credit department management.
• Neatly and accurately prepare collection letters and other related communications.
• Submit delinquent accounts to collection agencies, seeking direction from credit department management for larger accounts.
• Prepare accounts for referral to legal counsel, ensuring account reconciliation and all related documentation is accurate and complete.
• Update and maintain electronic filing systems for accurate and easy access to customer/account information, and for referral to collection as needed.
• Aid and prepare special reports as directed by the credit department management.
• Prepare needed legal affidavits as requested by customers and third-party partners.
• Follow posted work schedule and adhere to proper clocking procedures to accurately reflect hours worked.

Requirements

• High school diploma or equivalent
• Two years’ business school or college with emphasis on accounting, finance, business administration or economics, or equivalent work experience
• Computer knowledge and familiarity with Microsoft Office products, including proficiency with Excel and Word
• Experience with Oracle JDE/EnterpriseOne systems preferred
• 10-key experience
• Excellent negotiation and decision-making skills
• Strong organizational skills
• Strong analytical skills
• Strong ability to multi-task
• Excellent verbal and written communication skills
• Ability and willingness to maintain strict confidentiality of sensitive company and applicant/customer information
• Ability to speak, read, write, and understand the English language to communicate with customers, coworkers, and supervisors
• Legal authorization to work in the United States

Preferred Skills

• Bachelor’s degree with emphasis on accounting, finance, economics, or business administration
• Knowledge of credit analysis, risk assessment, and analysis of financial statements
• Proven track record of successful credit administration and/or account collection
• Self-starter
• Ability to work in a high-pressure work environment with competing deadlines
• High degree of time management skills
• Excellent customer service skills
• Ability to work both independently and in a team environment
• Ability to perform detail work with accuracy
• Ability to grasp new concepts quickly
• Ability to work well with others
• Ability to work at a fast pace
• Ability to set priorities and goals and develop plans for achieving them

About Mfa Oil Company

MFA Oil Company, formed in 1929, is a farmer-owned cooperative and a leading propane retailer in the United States. The company supplies fuels, lubricants, and propane to customers in Missouri, Arkansas, Indiana, Iowa, Kansas, Kentucky, Oklahoma, and Tennessee. Through a subsidiary, MFA Oil operates Break Time convenience stores in Missouri; a Big O Tires franchise in Missouri, Arkansas, and Kansas; a solar panel installation company, BluSphere Energy; and APM, a wholesale fuel distributor.

Benefits Our benefits are designed to invest in you! We offer a comprehensive benefits structure for regular full-time positions, including competitive wages, paid time off, paid company holidays, and the opportunity for eligible employees to share in company success through profit sharing and/or performance incentives. Health benefits include medical, dental, vision, an employee assistance program and company-paid life insurance, and short- and long-term disability. Our retirement benefits include a 401(k) plan with a company match offering pre-tax and Roth options.

Growth & Development We believe there’s always room to learn and grow, from entry-level employees to senior leaders. Opportunities exist for internal advancement and professional development including on-the-job training. Educational expense assistance is available for employees seeking to continue their education ambitions aligned with their employment within the company.