Credit Analyst

CFS; Belle Vernon (Fayette County); Hybrid; USD 75.000 - 80.000; Vollzeit

Zusammenfassung

CFS is seeking a Credit Analyst in Belle Vernon, PA (Hybrid) to assess customer financials, set credit terms, and monitor accounts receivable. You will leverage AI-enabled solutions to enhance analysis and efficiency, establishing credit limits and payment terms based on risk assessment.

You will collaborate with Sales and customers to obtain credit support, track delinquency, and prepare monthly reports detailing portfolio performance and bad debt reserves.

Qualifikationen

• Bachelor's degree in Finance, Accounting, Business, or equivalent professional experience.
• Approximately two or more years of experience in credit analysis, financial statement analysis, accounts receivable, collections, or related area.
• Strong understanding of financial statements, credit risk assessment, and customer financial performance.
• Experience with credit security instruments and documentation; familiarity with bankruptcy laws and processes.
• Proven ability to manage delinquent accounts and support collections strategies.
• Proficiency in Microsoft Office, particularly Excel; experience with ERP or accounting systems preferred.
• Ability to learn and utilize credit management platforms, AI-enabled tools, and other business technologies.
• Excellent written and verbal communication skills.

Aufgaben

• Analyze customer financial statements and performance to support credit decisions, leveraging AI-enabled solutions.
• Establish and recommend customer credit limits and payment terms based on analysis and risk.
• Monitor accounts receivable portfolios and manage delinquent balances to meet targets.
• Collaborate with Sales and customers to obtain credit support such as letters of credit and guarantees.
• Track payment trends, identify risks, and communicate findings to stakeholders.
• Support consistent use of credit application platform across divisions and coordinate with platform provider.
• Prepare monthly credit reports, portfolio metrics, bad debt reserve reviews, and departmental efficiency reporting.
• Assist Credit Manager with supplier credit limit monitoring and communication with supplier credits.
• Work with cross-functional teams to resolve order-to-cash issues and ensure timely transactions.
• Apply credit policies consistently while balancing risk with business needs.
• Identify opportunities to streamline workflows and implement AI-based solutions and technology enhancements.
• Maintain professional relationships with customers and internal partners and provide backup support.

Kenntnisse

Analytical thinking

Attention to detail

Communication skills

Problem solving

Time management

Team collaboration

Ausbildung

Bachelor's degree in Finance/Accounting/Business

Tools

Excel

ERP systems

Accounting software

Jobbeschreibung

CREDIT ANALYST

Belle Vernon, PA (Hybrid)

$75,000- $80,000

Overview Of The Credit Analyst Role

• Analyze customer financial statements, evaluate financial performance, and prepare key operating metrics to support informed credit decisions. Leverage AI-enabled solutions to enhance analysis and efficiency.
• Establish and recommend customer credit limits and payment terms based on financial analysis, payment history, and overall risk exposure.
• Monitor assigned accounts receivable portfolios, proactively manage delinquent balances, resolve payment disputes, and help maintain established delinquency and bad debt targets.
• Partner with Sales and customers to obtain appropriate credit support, including letters of credit, personal guarantees, parent company guarantees, and cross-corporate guarantees.
• Track customer financial health and payment trends, identify potential risks, and communicate concerns and recommendations to relevant stakeholders.
• Support consistent use of the credit application platform across business divisions, collaborate with the platform provider, and help ensure the system meets departmental needs.
• Prepare monthly credit reports, portfolio performance metrics, bad debt reserve reviews, and departmental efficiency reporting.
• Assist the Credit Manager with supplier credit limit monitoring, reporting, and communication with supplier credit departments.
• Work with Sales, Accounting, Customer Service, and other departments to resolve order-to-cash issues and support timely business transactions.
• Apply and communicate credit policies and procedures consistently while balancing risk management with business needs.
• Identify opportunities to streamline workflows, improve departmental procedures, and implement AI-based solutions and other technology enhancements.
• Maintain professional relationships with customers and internal partners, address inquiries, assist with special projects, and provide backup support to other credit team members.

Preferred Qualifications For The Credit Analyst

• Bachelor's degree in Finance, Accounting, Business, or a related field, or equivalent relevant professional experience.
• Approximately two or more years of experience in credit analysis, financial statement analysis, accounts receivable, collections, or a related area preferred.
• Strong understanding of financial statements, credit risk assessment, and customer financial performance.
• Experience with credit security instruments and documentation; familiarity with bankruptcy laws and processes.
• Demonstrated ability to manage delinquent accounts, reduce accounts receivable risk, and support effective collection strategies.
• Strong analytical, problem-solving, and decision-making skills, with excellent attention to detail.
• Proficiency in Microsoft Office, particularly Excel; experience with ERP or accounting systems preferred.
• Ability to learn and utilize credit management platforms, AI-enabled tools, and other business technologies.
• Excellent written and verbal communication skills, with the ability to explain credit requirements and financial information clearly.
• Ability to prioritize competing responsibilities, meet deadlines, and make sound decisions in a fast-paced environment.
• Strong interpersonal skills and the ability to build effective relationships with customers, colleagues, and management.
• Knowledge of the petroleum, energy, or fuel distribution industry is a plus.

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