Credit Analyst

MERITON; Irving (TX); Hybrid; USD 70,000 - 95,000; Full time

Job summary

Meriton is seeking a seasoned Credit Analyst to join our Shared Services team in Irving, TX. You will perform complex financial analysis, manage high-risk accounts, and oversee credit risk management across multiple business units, advising on terms and ensuring data integrity in Dynamics 365.

You will mentor peers, develop analytics, and present portfolio insights to leadership while supporting SOX compliance and process improvements within a fast-paced environment.

Qualifications

• 5+ years of experience in credit analysis or related finance role.
• Strong analytical skills with ability to interpret financial statements.
• Proficiency with Microsoft Dynamics 365, F&O, Excel (pivot tables, vlookups), and Outlook.
• Experience with SOX compliance, audits, and process improvement projects.
• Strong understanding of multi-entity exposure and risk reporting.

Responsibilities

• Review and approve credit applications within delegated authority limits.
• Conduct in-depth financial statement analysis, risk scoring, and exposure aggregation across multiple entities.
• Recommend credit terms and limits for high-value or high-risk accounts.
• Ensure credit limit reviews are completed every 6–12 months or upon trigger events.
• Support legal and management teams in escalated credit or lien issues.
• Analyze A/R aging and DSO performance; identify exposure concentrations.
• Track and report portfolio-level credit KPIs in Power BI and Excel dashboards.
• Perform root cause analysis of delinquencies or credit losses.
• Oversee compliance with SOX and audit standards for documentation accuracy.

Skills

Financial analysis

Credit risk management

Portfolio analytics

Power BI

Excel

SOX compliance

Dynamics 365

Education

Bachelor's degree in Finance or Accounting

Tools

Microsoft Dynamics 365

Power BI

Excel

Outlook

Job description

Meriton is a national team of experts driving HVAC innovation through a network of high-performing companies. From strategy and support to systems and solutions, we work behind the scenes to strengthen operations and build value—for our partners and our people.

If you’re looking to make an impact, we’re glad you’re here. At Meriton, you’ll join a team that believes in big ideas, doing great work, and building careers that matter—every step of the way.

Position Description

Job Title:Credit Analyst

Reports To: Credit & Collections Supervisor

FLSA Status: Exempt

Location: Shared Services Office, Irving, TX

Summary:

The Credit Analyst serves as a senior individual contributor responsible for performing complex financial analysis, managing high-risk accounts, and providing oversight for credit risk management and customer master data integrity across multiple business units. This role includes credit approvals, portfolio analytics, and performance reporting to support sound financial decision-making and compliance with company policies. The Senior Credit Analyst acts as a subject matter expert and mentor to peers, driving process improvements and risk reduction initiatives across the credit function.

Essential Duties and Responsibilities:

Credit Analysis:

• Review and approve credit applications within delegated authority limits.
• Conduct in-depth financial statement analysis, risk scoring, and exposure aggregation across multiple entities.
• Recommend credit terms and limits for high-value or high-risk accounts.
• Ensure credit limit reviews are completed every 6–12 months or upon trigger events.
• Support legal and management teams in escalated credit or lien issues.
• Analyze A/R aging and DSO performance; identify exposure concentrations.
• Track and report portfolio-level credit KPIs in Power BI and Excel dashboards.
• Perform root cause analysis of delinquencies or credit losses.
• Provide inputs for bad debt allowance and reserve calculations.
• Oversee compliance with SOX and audit standards for documentation accuracy.

System Oversight:

• Maintain integrity of customer master data within Microsoft Dynamics 365.
• Identify and resolve duplicate accounts across operating companies.
• Support integration of new business units or system migrations.
• Build and enhance analytical reports and credit dashboards in Power BI.
• Coordinate with operations, collections, and sales to manage customer risk and resolve disputes.
• Mentor junior credit analysts and assist in training cross-functional staff.
• Participate in credit committee meetings and present portfolio analysis to leadership.
• Contribute to internal controls testing and process improvement initiatives.

Other Duties:

• Regular, consistent and necessary attendance to meet the needs of the business.
• Performs other duties and responsibilities as assigned.
• Must conduct self in an ethical, legal, and responsible manner at all times.
• Must adhere to the policies, principles, and guidance within the Employee Handbook and Code of Conduct.

Elevated professionalism which demonstrates tempered emotions, empathy, positive intent, and integrity in all interactions.

• Excellent communication and interpersonal skills with the ability to build strong relationships across all levels of the organization. Strong verbal and written communication skills
• Ability to effectively communicate and present information one-on-one and in group situations, and outside of the company.
• Ability to solve practical problems and manage a variety of variables in situations and with problems where only limited information or standardization exists
• Strong attention to detail
• Ability to work in a fast-paced environment
• Must be a self-starter, independent, and strong organization skills, with the ability to manage multiple priorities and deadlines at any given time
• Ability to establish and build effective working relationships with colleagues and staff. Acceptance of a variety of lifestyles, behaviors, and cultural, and spiritual practices

Education/Experience:

• 5+ years of experience in credit analysis, financial review, or related accounting/finance role.
• Strong analytical skills with ability to interpret financial statements.
• Proficiency with Microsoft Dynamics 365, F&O, Excel (pivot tables, xlookups), and Outlook.
• Experience with ticketing or case management systems preferred.
• Strong understanding of multi-entity exposure aggregation and risk reporting.
• Experience supporting SOX compliance, audits, and process improvement projects.
• Must be proficient in the Microsoft Office Suite, including Outlook, Excel, PowerPoint and Word

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essentials functions. The noise level in the work environment is usually moderate. The workplace is in a corporate office environment and the temperature in the work environment is usually moderate. The position’s primary office is the Shared Services, Irving, TX office; however, telework or work at home, on the road, or in a satellite location for portions of the workweek may occur, depending upon project needs and requirements in coordination with your direct supervisor and/or most senior leader of your department.

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable the individuals with disabilities to perform the essentials functions.

• Must be able to walk, bend, stand, and reach constantly during a workday.
• Must be able to lift 15 – 20 lbs.
• Standing for long periods of time (4-5 hours) occasionally
• Must be able travel via plane or car to events

Employment practices will not be influenced or affected by an applicant’s or employee’s race, color, religion, sex (including pregnancy), national origin, age, disability, genetic information, sexual orientation, gender identity or expression, veteran status or any other legally protected status. Reasonable accommodations will be made for qualified individuals with disabilities unless doing so would result in an undue hardship.

Salary ranges listed are dependent upon a candidate’s qualifications, experience, internal equity, and the budgeted amount for the specific role and location.