Credit Analyst

AFL; Duncan (AL); On-site; USD 75,000 - 105,000; Full time

Benefits offered by this job

Flexible time off

401K match

Tuition reimbursement

Excellent medical, dental, vision, and

life insurance

Job summary

AFL is seeking a credit management professional to support new customer onboarding, credit limit assessments, and risk-based decision making. You will coordinate with sales, finance, and operations to balance credit risk with customer needs in a dynamic corporate environment.

Responsibilities include overseeing credit reviews, maintaining SOX/JSOX compliance, and driving process improvements with automation tools. A strong background in finance operations and ERP systems is essential.

Qualifications

• Must have strong analytical skills to assess credit risk and global exposure.
• Excellent teamwork and communication abilities to coordinate with cross-functional teams.
• Knowledge of audit compliance frameworks and internal controls (JSOX) is required.

Responsibilities

• Review new customer applications for completeness and obtain required documents.
• Assess credit history to determine credit worthiness and set initial limits per policy.
• Review credit limit requests and payment history for consistency with policy.
• Prepare business unit override requests with proper justification and documentation.

Skills

Analytical skills

Teamwork

Communication skills

Education

Associate degree in Finance, Accounting, Business Administration, or related field

Tools

ERP systems

Credit management tools

Job description

AFL manufactures industry-leading fiber optic cable, connectivity and accessories and provides engineering and installation services for some of the largest telecom customers in the world. Our company was founded in 1984 with a single fiber optic cable and today, we manufacture thousands of products, generate an excess of $5B in revenue, and employ approximately 12,000 associates worldwide. At AFL, we recognize that our employees are our greatest asset. We hire and train each individual, investing in them to ensure success in their careers. With a commitment to professional development and growth, let us connect you to your next career opportunity.

What We Offer:

• Flexible time off policy
• 401K Company match (up to 4% - dollar for dollar)
• Professional development, training, and tuition reimbursement programs
• Excellent medical, dental, vision, and life insurance policy options
• Opportunities for career advancement with an industry leading company!

Key Responsibilities

• New Customer Setup
  • Review new customer applications for completeness and ensure all required documents are obtained
  • Research credit history on potential new customers, using available tools to determine credit worthiness
  • Complete initial credit review and set initial customer credit limits subject to AFL credit policy
• Credit Review / Existing Customers
  • Review credit limit requests for completeness
  • Review payment history to ensure alignment with AFL credit policy
  • Provide initial response to requested credit limit updates
• Business Unit Override
  • Preparation of business unit override requests in accordance with corporate credit policies.
  • Ensure proper documentation and justification for exceptions to standard credit limits.
  • Assist supervisor in monitoring override trends and elevate concerns
• Audit Compliance
  • Ensure adherence to internal controls and compliance with SOX/JSOX and audit requirements.
  • Partner with internal and external auditors to provide documentation, testing support, and remediation of findings.
  • Assist supervisor in maintaining accurate records of credit decisions and override approvals for audit readiness.
• Process Improvements
  • Identify opportunities to streamline credit approval processes and reduce manual interventions.
  • Assist in implementing automation tools and workflow enhancements to improve efficiency and accuracy.
  • Assist in developing and update policies and procedures to reflect best practices in credit risk management.
• Cross‑Functional Collaboration
  • Partner with sales, finance, and operations teams to balance customer needs with risk management.
  • Communicate credit policies and decisions effectively across business units.
  • Support strategic initiatives by providing preliminary credit risk insights and recommendations.

Qualifications

• Associate’s degree in Finance, Accounting, Business Administration, or related field.
• 3+ years of experience in credit management, risk analysis, or financial operations.
• Knowledge of global credit risk management, audit compliance, and internal controls.
• Experience with ERP systems and credit management tools.

Skills & Competencies

• Analytical skills to assess credit risk and global exposure.
• Knowledge of audit compliance frameworks (JSOX).
• Ability to communicate recommendations on business unit overrides with sound judgment.
• Strong teamwork and communication skills.
• Proficiency in Microsoft Excel and ERP platforms.
• Continuous improvement mindset with process optimization experience.