Accounts Receivable & Credit Analyst

M-D Building Products Inc; Oklahoma City (OK); Hybrid; USD 55,000 - 75,000; Full time

Benefits offered by this job

Medical Insurance

401(k) with company match

Paid Time Off

Job summary

M-D Building Products in Oklahoma City seeks an Accounts Receivable & Credit Analyst to strengthen cash flow and reduce DSO. You will evaluate creditworthiness, process new credit applications, monitor aging, apply payments, and resolve deductions while partnering with Sales, Customer Service, Distribution, and Finance.

This role offers hybrid work, responsibilities across credit risk analysis, collections, and account reconciliation, and opportunities to improve processes with data-driven

Qualifications

• 3–5 years in accounts receivable, credit, or collections.
• Experience analyzing credit risk and setting credit limits.
• Proficient in Excel; experience with ERP systems.
• Bachelor's/associate degree preferred in relevant field.
• Strong communication and problem-solving skills.

Responsibilities

• Process and analyze new customer credit applications and due diligence.
• Evaluate creditworthiness and recommend credit limits and terms.
• Perform periodic credit reviews and monitor payment trends.
• Monitor AR aging, past-due balances, and deductions.
• Contact customers about past-due invoices and resolve issues.
• Research, analyze, and resolve deductions and discrepancies.
• Collect, apply, and allocate customer payments; reconcile accounts.
• Review credit holds and authorize releases within policy.
• Support new customer account setup and tax documentation.
• Utilize Oracle and customer portals to research transactions.

Skills

Credit risk analysis

Accounts receivable

Collections management

Customer service

Financial analysis

Education

Associate's or Bachelor's degree in Accounting/Finance/Business Administration

Tools

Oracle ERP

Job description

The Accounts Receivable & Credit Analyst supports the organization's credit and accounts receivable functions through credit risk analysis, collections, deduction resolution, payment application, account reconciliation, and customer account management. This role evaluates new and existing customer creditworthiness, monitors accounts receivable activity, and recommends credit limits and account status while supporting timely order release decisions. The position plays an important role in improving cash flow, reducing Days Sales Outstanding (DSO), mitigating credit risk, and maintaining strong customer relationships. The A/R & Credit Analyst works closely with Sales, Customer Service, Distribution, Finance, and customers to resolve account issues and ensure accurate and timely financial information.

Responsibilities

• Process and analyze new customer credit applications, including reviewing financial and credit information, contacting trade and bank references, and conducting appropriate due diligence and fraud-prevention activities.
• Evaluate customer creditworthiness and recommend credit limits, account terms, and overall credit risk to department leadership.
• Perform periodic credit reviews of existing customers and identify changes in payment trends or risk exposure that may require additional review or action.
• Monitor accounts receivable aging, payment history, credit exposure, and account activity to identify past-due balances, delayed payments, deductions, and other irregularities.
• Contact customers about past-due invoices and unresolved account issues while maintaining professional, productive customer relationships.
• Research, analyze, and resolve customer deductions, disputes, short payments, and account discrepancies.
• Collect, apply, and allocate customer payments and perform account reconciliations as needed to maintain accurate account balances.
• Review customer orders placed on credit hold and determine whether to release them within established authority and company credit policies. Escalate releases requiring additional authorization to department leadership.
• Support new customer account setup and ensure required credit, billing, and tax documentation is complete and accurate.
• Manage and maintain customer sales tax documentation, including exemption certificates and other required tax information for new and existing customers.
• Utilize Oracle, customer portals, lockbox systems, and other financial tools to research transactions and maintain accurate customer account information.
• Develop and monitor accounts receivable and collection metrics, KPIs, and trend analysis to identify risks and opportunities for improvement.
• Support cash flow forecasting by providing insight into expected customer payments, past-due balances, and collection activity.
• Identify opportunities to improve credit, collections, and accounts receivable processes and provide data-supported recommendations to department leadership.
• Prepare reports, analyses, and presentations for leadership regarding credit risk, collections, customer accounts, and departmental performance.
• Partner with Sales, Customer Service, Distribution, Finance, and other internal stakeholders to resolve customer issues and facilitate timely order processing and payment.
• Support department leadership with special projects, reporting, process improvements, and other assignments as needed.

Minimum Qualifications

• High school diploma or equivalent required.
• Three (3) to five (5) years of accounts receivable, credit, collections, or related financial experience required.
• Associate's or bachelor's degree in Accounting, Finance, Business Administration, or a related field preferred.
• Experience analyzing customer accounts, collections, deductions, and credit information.
• Experience performing account reconciliations and researching payment discrepancies.
• Experience with Microsoft Excel and Word required.
• Experience with ERP systems such as Oracle preferred.
• Experience working with customer portals, lockbox systems, or electronic payment systems preferred.
• Knowledge of customer sales tax documentation and exemption requirements preferred.

Required Skills/Abilities

• Strong analytical and problem-solving skills with the ability to evaluate credit risk and customer account activity.
• Knowledge of accounts receivable, credit, collections, cash application, and account reconciliation practices.
• Ability to analyze credit applications, credit references, payment history, aging, and other information to assess customer creditworthiness.
• Intermediate Microsoft Excel skills with the ability to organize, analyze, and report financial and customer account data.
• Strong organizational and time-management skills with the ability to manage a high-volume workload and competing priorities.
• Strong attention to detail and commitment to accuracy.
• Excellent written and verbal communication skills.
• Strong customer service and interpersonal skills, including the ability to communicate effectively regarding past-due balances, disputes, and credit concerns.
• Ability to exercise sound independent judgment within established policies and approval authority.
• Ability to recognize account trends, identify potential risks, and elevate concerns appropriately.
• Ability to prepare and communicate financial analyses, collection metrics, KPIs, and other information to department leadership.
• Ability to work independently while contributing effectively within a collaborative team environment.
• Ability to learn and effectively use Oracle, customer portals, tax systems, and other department-specific technology.

Physical Demands and Work Environment

• This position is primarily performed in a professional office environment and requires prolonged periods of sitting and working at a computer. The employee must be able to regularly use standard office equipment, including a computer, keyboard, mouse, telephone, and other devices necessary to perform the essential functions of the position. The role requires frequent written and verbal communication with customers, coworkers, and business partners. The position may operate under a hybrid work arrangement, with work performed both in the office and remotely based on company requirements. The employee must be able to effectively perform job responsibilities in either environment and maintain appropriate productivity, communication, confidentiality, and access to required systems.

Who is M-D?

M-D Building Products has been a trusted name in American construction for over 106 years. Founded in 1920, we have spent more than a century designing, manufacturing, and distributing the products that builders, contractors, and homeowners depend on to get the job done right. What started as a focused commitment to quality weatherstripping has grown into one of the most recognized and respected product portfolios in the construction industry.

We are proud to be an American manufacturer. Every product bearing the M-D name is made right here in the United States, with production facilities in Oklahoma City, Oklahoma, ourhomeand headquarters, as well as Louisville, Kentucky, and Gainesville and Brooklet, Georgia. Our facilities are home to skilled, dedicated teams who bring the same pride and craftsmanship to every product they make.

At M-D, wedon'tjust compete in ourcategories,we lead them. Our products are industry leaders or strong contenders for industry leadership across every line we carry. That standard of excellenceisn'taccidental. It results from more than a century of listening to our customers, investing in our people, and refusing to settle for good enough. The people of M-D are guided by five core values that define how we work, how we treat one another, and how we show up for our customers every day.

Integrity~Honestydoesn'tneed a policy. We do the right thing when nobody is looking.

Vision~Tomorrow's success is taken by the steps we take today.

Commitment~Every day, we are accountable to each other and our customers.

Communication~We listen with intent, communicate with clarity, and speak up forwhat'sright.

Stewardship~We serve to promote one another, create opportunities, and provide customerdelight.

When you join M-D Building Products, you join a company that has stood the test of time. Not by standing still, but by continuously evolving, improving, and investing in the people who make everything possible. We believe every individual can make a meaningful impact, and we cultivate a culture that recognizes and develops that potential.

M-D Building Products, Inc offers a benefits package that includes Medical, Dental, Vision, On-Site Clinic, Voluntary Life Insurance, Lab Card Program, Group Term Life & AD&D, Flexible Spending Accounts, Dependent Care Flexible Spending Account, Short-Term and Long-Term Disability, 401(K) with Company Match, Paid Time Off, TuitionReimbursement, Education & Development, Mental Wellness (Employee Assistance Program), and Voluntary Benefits including Accident, Critical Illness and Hospital Indemnity Insurance.

Equal Employment Opportunity Statement

The Company is an Equal Opportunity Employer. We are committed to providing equal employment opportunities to all employees and applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, genetic information, veteran status, or any other legally protected status, in accordance with applicable federal, state, and local laws.

Equal Employment Opportunity Statement

The Company is an Equal Opportunity Employer. We are committed to providing equal employment opportunities to all employees and applicants without regard to race, color, religion, sex, sexual orientation,

Qualifications

Behaviors

Preferred

Dedicated

Devoted to a task or purpose with loyalty or integrity

Motivations

Preferred

Ability to Make an Impact

Inspired to perform well by the ability to contribute to the success of a project or the organization

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.