Senior Credit Analyst

AWC is seeking a highly analytical and business-minded Senior Credit Analyst to join our finance team. This role evaluates customer creditworthiness, manages credit risk, establishes appropriate credit limits, and partners with Sales and Operations to support profitable business growth while protecting company assets. The ideal candidate will possess strong financial analysis skills, sound business judgment, and the ability to balance customer service with prudent risk management.

Responsibilities

• Credit Analysis & Risk Management
  • Analyze customer financial statements, credit reports, payment histories, and industry trends to determine appropriate credit exposure
  • Evaluate new customer credit applications and establish initial credit limits
  • Review and adjust existing customer credit limits based on financial performance, payment behavior, and changing market conditions
  • Assess overall portfolio risk and recommend strategies to minimize bad debt exposure
  • Monitor customers for deteriorating financial conditions and proactively recommend risk mitigation strategies
• Financial Analysis
  • Perform detailed analysis of balance sheets, income statements, cash flow statements, working capital, liquidity ratios, and debt structure
  • Interpret financial data to identify strengths, weaknesses, and potential credit risks
  • Prepare comprehensive credit recommendations for management approval
• Portfolio Management
  • Monitor customer credit exposure across multiple business units
  • Review aging reports and identify high-risk accounts
  • Partner with Collections to resolve payment issues while maintaining positive customer relationships
  • Recommend holds, release of orders, payment plans, or revised credit terms when appropriate
  • Assist in reducing Days Sales Outstanding (DSO) while supporting revenue growth
• Cross-Functional Collaboration
  • Partner closely with Sales, Operations, Customer Service, Accounting, and Executive Leadership
  • Provide guidance to sales teams regarding customer credit decisions
  • Balance customer service objectives with sound financial risk management
  • Support strategic account opportunities by evaluating financial risk and recommending appropriate credit structures
• Process Improvement & Compliance
  • Assist in developing and improving credit policies, procedures, and internal controls
  • Ensure compliance with company credit policies and applicable financial regulations
  • Recommend process improvements that increase efficiency and reduce financial risk
  • Participate in system enhancements related to credit management and reporting
• Reporting & Analytics
  • Prepare periodic reports on credit exposure, portfolio performance, customer risk trends, bad debt reserves, and credit limit utilization
  • Present findings and recommendations to Finance leadership
  • Develop meaningful KPIs to monitor portfolio health and credit performance

Requirements

• Bachelor's Degree in Finance, Accounting, Business Administration, Economics, or a related business discipline
• 5+ years of progressive experience in commercial credit analysis or corporate credit
• Strong understanding of financial statement analysis
• Experience evaluating commercial credit risk
• Advanced Microsoft Excel skills
• Experience utilizing ERP systems and credit reporting services
• Excellent written and verbal communication skills
• Strong analytical and problem-solving abilities

Preferred Qualifications

• Experience in ERP conversion
• Strong attention to detail and precision
• Exceptional problem-solving skills
• Proficient in interpreting schematics, drawings, and procedural instructions
• Clear and effective communication skills, both verbal and written
• Collaborative team player with flexibility to work in various settings
• Adaptability to work both in a shop environment and at customer-owned facilities

Benefits

• Employee Stock Ownership Plan (ESOP)
• 401(K) Match
• Competitive Pay
• Medical, Dental, and Vision Insurance Package
• Employer Paid Life Insurance
• Paid Time Off and Holiday Pay
• Career Development Opportunities

About AWC

As employee co-owners, we’re driven to do more than complete tasks; we build fulfilling careers by challenging assumptions and continually raising the bar. We embrace creative, innovative approaches to deepen our expertise and deliver real value to our customers. We partner strategically with many of the world’s most recognized technology brands to help engineering, reliability, and maintenance teams solve complex problems.

Our goal is simple: combine caring, knowledgeable people with innovative technologies to help our customers succeed. We are committed to solving customer problems and welcome team members who want to be the trusted resource for those looking for a partner who out-knows, out-cares, and out-serves everyone else. Every day, we strive to deliver on our mission to empower people to make the greatest positive impact for the communities and families we serve together.