Credit Analyst

Kirby Corporation; Houston (TX); On-site; USD 65,000 - 90,000; Full time

Job summary

Kirby Corporation in Houston is seeking a Credit Representative who proactively manages an assigned portfolio to optimize cash flow and mitigate risk. You will analyze financial data, review credit applications, and present strategic credit line recommendations.

This role emphasizes client communication, timely collections, and resolving payment barriers while maintaining strong risk controls. You will collaborate with senior management to balance risk with client needs and drive positive

Qualifications

• Interpret financial data to assess risk and inform credit decisions.
• Resolve portfolio issues with proactive problem solving and collections insight.
• Communicate clearly in writing and verbally with clients during sensitive discussions.
• Manage multiple deadlines and prioritize effectively in a fast-paced environment.
• Experience with CreditSafe and FIS credit risk platforms.
• Familiarity with Oracle ERP systems and related finance tooling.
• Bachelor’s degree preferred in Finance, Accounting, or Business.

Responsibilities

• Portfolio management: oversee a portfolio and optimize cash flow.
• Credit analysis: review applications and analyze financial data for risk.
• Credit risk mitigation: present line recommendations to senior management.
• Client communication: maintain professional contact to resolve payment barriers.
• Problem-solving: identify discrepancies and improve payment cycles.

Skills

Financial & Analytical Acumen

Proactive Problem-Solving

Strategic Communication

Decision-Making & Time Management

Education

High School Diploma

Bachelor’s Degree in Finance, Accounting, Business, or a related field

Tools

Microsoft Office Suite (Excel)

CreditSafe

FIS

Oracle ERP

Automation / AI in finance tools

Job description

Overview

The Credit Representative proactively manages an assigned portfolio to mitigate corporate risk and optimize cash flow. This dynamic role is responsible for analyzing financial data, reviewing credit applications, and making strategic credit line recommendations. Acting as a key liaison, you will balance risk management with exceptional client communication to resolve financial challenges and drive positive business outcomes.

Responsibilities

• Portfolio Management: Oversee and manage an assigned portfolio of accounts, taking direct ownership of its financial health and cash flow optimization.
• Credit Analysis: Review credit applications and analyze complex financial data to evaluate creditworthiness for new and existing accounts.
• Credit Risk Mitigation: Formulate and present formal credit line recommendations to senior management while actively managing overall portfolio risk.
• Client Communication: Maintain proactive, professional communication with clients to resolve payment barriers, handle inquiries, and manage collections.
• Problem-Solving: Proactively identify portfolio discrepancies, analyze root causes, and implement efficient solutions to improve payment cycles.

Qualifications

Core Competencies

• Financial & Analytical Acumen: Ability to interpret financial data, grasp complex business concepts, and make data-driven risk assessments.
• Proactive Problem-Solving: Demonstrated ability to resolve critical portfolio issues and manage collections with a solutions-oriented mindset.
• Strategic Communication: Excellent written and verbal communication skills to navigate sensitive financial discussions with clients.
• Decision-Making & Time Management: Confident making critical credit recommendations while managing multiple deadlines in a fast-paced environment.

Technical Proficiencies

• Proficient in Microsoft Office Suite (Word, Excel, Outlook, PowerPoint) with Advanced Excel skills preferred.
• Prior experience with credit risk platforms like CreditSafe and FIS is preferred.
• Familiarity with Oracle ERP systems is considered a strong plus.
• Experience or interest in leveraging automation and AI tools to optimize financial workflows is preferred.

Education

• High School Diploma required; a Bachelor’s Degree in Finance, Accounting, Business, or a related field is highly preferred.