Credit Analyst

Paycom - ATS; Belle Vernon (Fayette County); On-site; USD 55,000 - 85,000; Full time

Job summary

Guttman Energy, Inc. is seeking a Credit Analyst to manage credit risk and AR collections, analyzing financial statements and setting credit terms.

The role involves collaborating with Sales, monitoring delinquency, and supporting platform-driven credit processes to protect company cash flows and maintain strong customer relationships.

Qualifications

• Bachelor’s degree from an accredited four-year college or university or equivalent work experience.
• 2 years’ experience preferred in financial statement analysis, credit or accounts receivable.
• Ability to listen to others, express ideas both orally and in writing and provide relevant and timely information to clients, managers, etc.
• Prior experience working with security instruments & documents and knowledge of US Bankruptcy Code & processes.
• Ability to work in a fast-paced environment and make timely, practical business decisions.
• Strong analytical aptitude and attention to detail.
• Demonstrated achievement in lowering AR delinquency & bad debts.
• Excellent communication skills both verbally and written.
• Strong computer skills; Experience working in GP Dynamics, Windows, Internet Explorer and MS-Office (Word, Excel, PowerPoint, etc.) Note: Petroleum industry knowledge experience a plus.
• Ability to maintain excellent working relationships with internal/external customers.

Responsibilities

• Performs spreadsheet analysis of customer financial statements and prepares customer operating metrics for credit decisioning.
• Interprets, recommends & sets credit lines as well as terms of sale.
• Tracks financial & payment performance of AR portfolio assigned.
• Maintains delinquency & bad debt levels to historical standards and reviews reserves.
• Ensure full utilization of the Credit Application Platform across divisions and staff.
• Works with Sales to obtain additional security to limit AR & bad debt exposure (LCs, guarantees).
• Responsible for collection of delinquent AR balances & dispute resolution.
• Assists Credit Manager in maintaining/Supplier Credit Limits and interacts with suppliers' credit departments.

Skills

Credit risk management

Financial statement analysis

Collections

Analytical thinking

Attention to detail

Written & verbal communication

Cross-functional collaboration

Education

Bachelor’s degree (B.A. or B.S.)

Tools

GP Dynamics

MS Office

Windows

Job description

Job Details: Job Location: Belle Vernon PA - Belle Vernon, PA, Position Type: Full Time, Education Level: 4 Year Degree, Salary Range: Undisclosed, Travel Percentage: Negligible, Job Shift: Day, Job Category: Finance

ABOUT THE COMPANY

Guttman Energy, Inc. is a diversified energy marketer that serves the refined petroleum market. Operating as Guttman Oil Company since 1931, the company operates in 20 states east of the Mississippi, serving the commercial, wholesale, and retail marketplace. Along with Source One Transportation, a provider of petroleum delivery services, and Guttman Realty, Guttman Energy forms the core of the Guttman Group. Guttman Energy will generate more than $2.5 Billion in revenue in 2021 and is one of the largest privately-owned companies in the United States.

POSITION SUMMARY

The Credit Analyst position is responsible for the overall credit risk management, financial statement analysis as well as collection of outstanding Accounts Receivable for accounts assigned.

PRIMARY RESPONSIBILITIES

• Performs spreadsheet analysis of customer financial statements and prepares customer operating metrics for credit decisioning. Maintains utilization of AI Solutions to perform these functions.
• Interprets, recommends & sets credit lines as well as terms of sale.
• Tracks financial & payment performance of AR portfolio assigned. Works with applicable Sales staff as required
• Maintains delinquency & bad debt levels to historical standards. Ensures bad debt reserves are reviewed and maintained on a monthly basis.
• Ensure full utilization of the Credit Application Platform across all divisions and Department staff. Maintain ongoing communications with our Platform provider to ensure the product is meeting Company needs.
• Works closely with the Sales Team as well as customers to obtain additional security to limit AR & bad debt exposure (i.e. L/C’s, personal, parental & cross corporate guarantees.)
• Responsible for collection of delinquent AR balances & dispute resolution.
• Assists Credit Manager in maintaining and reporting on Supplier Credit Limits, including interaction with Suppliers credit departments
• Daily interaction with multiple areas of the business regarding order to cash issues.
• Supports and enforces financial / credit policies of the company, professionally and effectively communicating such requirements to internal business partners through the credit application process.
• Participates in & works on special projects as assigned.
• Pursues continuous improvement of department processes & procedures, including identifying and implementing AI Solutions
• Prepares monthly Credit metrics, Department reporting and Department efficiency metrics as required
• Work as part of a team environment and answer phones, handle customer service issues and work with various internal departments as needed.
• Provide excellent service by communicating clearly and professionally to customers, colleagues, and management.
• Serve as backup to other Credit staff

QUALIFICATIONS: MINIMUM QUALIFICATIONS/REQUIREMENTS

• Bachelor’s degree (B.A. or B.S.) from an accredited four-year college or university or equivalent work experience.
• 2 years’ experience preferred in financial statement analysis, credit or account receivables.
• Ability to listen to others, express ideas both orally and in writing and provide relevant and timely information to clients, managers, etc.
• Prior experience working with security instruments & documents and knowledge of US Bankruptcy Code & processes.
• Ability to work in a fast-paced environment and make timely, practical business decisions.
• Strong analytical aptitude and attention to detail.
• Demonstrated achievement in lowering AR delinquency & bad debts.
• Excellent communication skills both verbally and written.
• Strong computer skills; Experience working in GP Dynamics, Windows, Internet Explorer and MS-Office (Word, Excel, PowerPoint, etc.) Note: Petroleum industry knowledge experience a plus.
• Ability to maintain excellent working relationships with internal/external customers.

Note: The above statements are intended to describe the general nature and level of work being performed by people assigned this job. They are not exhaustive lists of all duties, responsibilities, knowledge, skills, abilities and working conditions associated with the job.

EEOC STATEMENT

Guttman Energy is committed to a policy of equal employment opportunity for all individuals and does not discriminate on the basis of race, color, religion, sex (including pregnancy, childbirth or related medical conditions, sexual orientation, gender and gender identity), genetic information, ancestry, national origin, age, physical or mental disability, veteran status, marital status, or any other classification, as protected by federal, state or local law. Equal employment opportunity extends to all personnel practices.