Credit Analyst

Central States, Inc.; Arkansas; On-site; USD 52,000 - 70,000; Full time

Job summary

Central States, Inc. is seeking a Credit Analyst to support the credit team in mitigating risk through thorough analysis of the AR portfolio and timely, professional interactions with customers.

The role emphasizes strong relationships with internal and external stakeholders to sustain ongoing partnerships. Responsibilities include applying credit policies, reviewing accounts for risk, and collaborating with sales to resolve disputes while maintaining efficient order-to-cash processes.

Qualifications

• Must have 3+ years in commercial credit
• Ability to analyze financial statements and credit data
• Strong written and verbal communication skills

Responsibilities

• Ensure prompt attention to all matters that impact the order to cash cycle
• Approve or deny credit orders in accordance with policy while balancing risk and customer relations
• Review credit and collection policies and apply them to credit decisions
• Monitor collections and assess credit risk across the customer portfolio
• Initiate credit limit reviews and request financial statements as needed
• Communicate with internal teams to resolve disputes and coordinate on delinquent accounts
• Prepare reports and ensure processes run as designed

Skills

Credit analysis

Analytical thinking

Microsoft Office

Communication

Teamwork

Relationship mgmt.

Time management

Education

High School Diploma or equivalent

Tools

Excel

Outlook

PowerPoint

Job description

Corporate
171 Naples St
Tontitown, AR 72762, USA

Corporate
171 Naples St
Tontitown, AR 72762, USA

JOB SUMMARY: The Credit Analyst is responsible for assisting the credit team in mitigating credit
risk through credit analysis of the AR portfolio and working with all customers in an accurate, timely
and professional manner. This position will develop strong relationships with new and existing
customers, both internal and external, ensuring ongoing successful partnerships. The Credit Analyst
plays a pivotal role in the Credit department, which is a multi-functional area, interacting with many
business departments within the company. Our role in the company provides us with an opportunity
to provide value added services to both our external and internal customer base.

JOB DUTIES AND ESSENTIAL FUNCTIONS:

• Ensure prompt attention to all matters that impact the order to cash cycle
• Responsible for the approval or denial of credit orders in accordance with established
  policies, practices, and procedures in a manner that will result in harmonious ongoing
  relationships with customers both internal and external with a focus on ease of doing
  business, while balancing risk and the minimization of bad debt losses
• Knows, understands and applies the company’s credit and collection policies, practices, and
  procedures
• Reviews regularly the status of collections impacting accounts to assure that accounts are in
  sound condition with on-going credit risk appraisal of customer portfolio
• Initiate credit limit reviews and solicit financial statements on an as needed basis and in
  compliance with policy
• Analyzes requests for credit and approves terms and limits within policy for investigations of
  new customers by analyzing financial statements, trade and bank references as well as any
  company credit reports available to help assist in the credit decision process
• Represent all aspects of the credit and collection function to insure operating system is
  utilized optimally
• Review and confirm all processes and procedures are working as designed. Develop, create
  and analyze reports to ensure all business needs are being met
• Submits credit requests beyond the position’s authority to the Credit Supervisor
• Respond to internal and external inquiries relative to the credit department
• Initiate contact and maintain close, harmonious relationships with customers, peers, sales,
  customer service, and outside sources of credit information
• Collaborate closely with sales department to resolve any disputes; including, but not limited
  to pricing and quantity but advertising and promotional allowance / expenses as well
• Participate and recommend what actions need to be taken on delinquent account
• Monitor all accounts for possible bad debt write-offs and report results to Credit Supervisor
  for proper recording

MINIMUM QUALIFICATIONS:

• High School Diploma or Equivalent and a minimum of 3 years in commercial credit
• The ability to be a strong self-starter who is solution oriented with good follow through skills
• Ability to operate in a fast-paced environment, handling a high volume of work, prioritizing
  multiple tasks, while making decisions with limited information, and communicate decisions
  effectively with internal and external customers while maintaining a harmonious balanced
  relationship
• Analytical skills- Ability to apply these skills to evaluating customer credit data and make
  sound decisions concerning credit terms and processing order(s)
• Ability to write reports, business correspondence, and standard operating procedure(s) and
  or manuals
• Intermediate or advanced Microsoft Office skills: Outlook, PowerPoint, and EXCEL with
  demonstrated expertise utilizing formulas- VLOOKUP’s, pivot tables, and calendar / time
  management
• Credit Scoring utilizing rules and metrics
• Ability to present information in front of colleagues and/or senior management
• Communicates ideas clearly and succinctly; effectively listens and responds to other. Ensures
  appropriate information flows freely
• Teamwork – effectively works within the department and across departments as a pro–active
  team member.
• Ability to handle conflict and find resolution
• Ability to help achieve department KPI’s and goals
• Prior experience in commercial credit 3+ year

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.