Sr Credit Analyst

About the role

The Senior Credit Analyst (Manufacturing) is a customer-facing role responsible for establishing credit limits for new accounts or reviewing credit limits for existing customers. This position oversees the Pennex portfolio of accounts to ensure timely payments and compliance with credit limits.

Responsibilities

• Oversees all credit and collection responsibilities for Pennex.
• Establishes internal credit limits for customers through comprehensive analysis, including financial statement review, operational assessment, and high-level customer discussions.
• Secures credit insurance when appropriate to support customer credit limits.
• Covers existing customer credit limits with formal annual reviews.
• Makes internal credit decisions up to $250k and prepares credit recommendations for the credit committee for decisions above this amount based on comprehensive analysis and review.
• Ensures adherence to customer payment terms through effective collection management.
• Works closely with sales and admin teams to identify and correct problems and issues causing payment delays.
• Develops payment plans with customers experiencing cash flow problems where appropriate while managing overall credit risk.
• Fills insurance claims and/or bankruptcy claims as necessary for nonperforming or bankrupt accounts.
• Maintains control over credit exposures for all customers to ensure adherence to established credit limits.
• Other duties as assigned.

Qualifications

• Bachelor’s degree in Finance, Accounting, or a related field required.
• Master’s degree preferred.
• 10 or more years of commercial credit experience as Senior Credit Analyst or equivalent.
• Strong verbal, communication, and negotiating skills.
• Strong analytical skills.
• Demonstrated strong initiative and self-motivation.
• Strong judgment and decision-making skills with a demonstrated ability to balance risk and profitability.
• Experience with ERP systems (Microsoft Dynamics 365 preferred).
• Strong collaboration with sales, operations, supply chain, and finance teams.
• Ability to challenge assumptions and influence stakeholders while maintaining relationships.
• Travel up to 25% as needed.
• Regular attendance required.
• Must be able to pass pre-employment physical and drug screen.
• Must be eligible to work in the United States, visa sponsorships are not available.

About Us

MX Holdings is a global leader in the purchasing, processing, and manufacturing of non-ferrous metals, primarily Aluminum. We are proud to deliver top-quality products and services to customers across our family of brands – including Metal Exchange and Pennex. Our commitment to safety, integrity, caring, and growth guides every action we take and decision we make. We are dedicated to impacting our world in a positive way.

Perks of the Job

• Medical, dental, and vision insurance.
• Disability and life insurance.
• 401(k) with matching contribution.
• Generous allotment of paid vacation and paid holidays.
• Competitive wages plus performance-based bonus opportunities.
• Employee Assistance Program (EAP).
• Ongoing training and professional development.
• Ambiguous opportunity for career growth and advancement.
• Relocation package may be available.

Why Our People Love Working Here

• Purpose-driven, friendly, open, and respectful culture.
• Highly engaged workforce – as indicated by best-in-class engagement scores.
• Shared core values of safety, integrity, caring, and growth.
• Hybrid work schedule consisting of 3 in-office days and 2 remote days per week.
• Leaders committed to building more diverse, inclusive teams.
• Free on-site gym access.
• Tuition reimbursement.
• Complimentary refreshment bar with beverages and snacks.
• Employee discount program with hundreds of partner brands.
• Wellness incentive program.
• Regular employee celebrations and events.

Our Commitment to Inclusion

We welcome people of different backgrounds, abilities, and perspectives. To ensure our business and culture continue to be inclusive of all people, we never discriminate based on race, religion, national origin, gender identity or expression, sexual orientation, age or marital status, veteran, or disability status. MX Holdings and our family of brands, including Metal Exchange and Pennex, are proud to be equal opportunity employers. Additionally, all your information will be kept confidential according to EEO guidelines.