Credit Analyst

Bray International, Inc.; Houston (TX); On-site; USD 60,000 - 80,000; Full time

Job summary

Bray International, Inc. is looking for a Credit Analyst in Houston, Texas. The role includes processing new credit applications, reviewing credit limits, and assessing financial profiles of customers.

Candidates should have a minimum of three years of credit experience and proficiency in Excel. This position requires strong communication skills and the ability to manage multiple accounts effectively. Join a dynamic team where your contributions will be valued.

Qualifications

• Minimum 3 years experience in credit.
• Hands-on experience using ERP systems and strong Excel skills required.
• Ability to manage multiple tasks and meet deadlines.

Responsibilities

• Conduct credit checks and establish credit limits and terms.
• Evaluate financial profiles of new/existing customers.
• Manage customer accounts to ensure appropriate credit limits.

Skills

Credit analysis

Excel proficiency

ERP systems

Financial statement analysis

Communication skills

Education

Bachelor's Degree in Accounting or related field

Associates degree in Accounting

Job description

Bray Controls
13333 Westland East Blvd
Houston, TX 77041, USA

Position Summary

The Credit Analyst reports directly to the Credit Manager. The position is responsible for processing new credit applications, reviewing and setting credit limits and terms, setting up new customers, and assessing credit risks and collection issues. He/she will follow Generally Accepted Accounting Principles and company practices.

Essential Job Functions and Responsibilities

Conduct credit checks and establish credit limits and terms. Evaluate financial profile of new/existing customers, establishing open credit or appropriate credit vehicle to accommodate projects. Manage customer accounts to ensure appropriate credit limit based on volume and reduce exposure. Assist with bad debt analysis and help process lien letters. Perform other duties assigned.

Qualifications and Core Competencies (Knowledge, Skills & Abilities)

Minimum 3 years experience in credit. Bachelor's Degree in Accounting or related business area, but not required if appropriate experience. This position requires hands‑on experience using ERP systems and strong Excel skills. Knowledge of D&B reporting, financial statement analysis, letters of credit, bank guarantees, and bond requests. Demonstrate the ability to grasp and retain new concepts quickly, complete complex tasks thoroughly, and efficiently and be able to provide suggestions for improvement in processes where needed. Ability to effectively interface with all levels of management, operations and internal & external customers. Ability to manage multiple tasks, meet deadlines and interact effectively in a team environment. Permanent work authorization for the USA required.

Computer literate/friendly, strong work ethic, attention to detail. Comfortable working in Excel. Excellent oral and written communication skills.

Performance Standards

Measurements in the areas of attendance, productivity, accuracy, weighted days beyond terms, internal and external customer relationships.

Preferred Skills & Traits

• Team Player – Works well as a member of a group.
• Detail Oriented – Capable of carrying out a given task with all details necessary to get the task done well.
• Dedicated – Devoted to a task or purpose with loyalty or integrity.
• Self‑Starter – Inspired to perform without outside help.
• Goal Completion – Inspired to perform well by completing tasks.
• Financial – Inspired to perform well by monetary reimbursement.
• Ability to Make an Impact – Inspired to perform well by contributing to the success of a project or the organization.

Education

Associates or better in Accounting.

Required Experience

3 years in Credit Experience.

Licenses & Certifications

None specified.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
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.