Credit Analyst

SMC; Noblesville (IN); On-site; USD 52,000 - 76,000; Full time

Job summary

SMC in Noblesville, IN is seeking a Credit Analyst to evaluate customer creditworthiness, mitigate financial risk, and support healthy revenue growth. You will analyze financial statements, credit reports, and payment histories to determine credit limits and terms, collaborating with collections and internal teams.

The role requires an associate degree in accounting, finance, or business administration and 2–4 years of credit analysis or accounts receivable experience.

Qualifications

• Associate degree in accounting, finance, business administration, or related field.
• 2–4 years of credit analysis or AR experience preferred.
• Proficient with Microsoft Excel and accounting software.
• Strong analytical and communication skills.
• Detail-oriented with commitment to accuracy.

Responsibilities

• Analyze customer financial statements, credit reports, and payment history to assess creditworthiness.
• Review and approve credit applications per policies and risk tolerance.
• Monitor existing accounts for changes in credit risk and adjust terms as needed.
• Collaborate with Collections to resolve high-risk or delinquent accounts.
• Maintain accurate credit files and tax exemption certificates for audit.
• Prepare credit risk and AR aging reports for management.
• Support month-end and year-end closing with AR data and reconciliation.
• Contribute to improvements in credit policies and scoring models.
• Support financial projects and cross-functional initiatives.

Skills

Credit analysis

Accounts receivable

Financial reporting

Analytical mindset

Communication

Education

Associate degree in Accounting, Finance, or Business Administration

Tools

Microsoft Excel

Accounting software

Job description

Purpose

The Credit Analyst will be responsible for evaluating the creditworthiness of new and existing customers, mitigating financial risk, and supporting healthy revenue growth. This involves conducting financial analysis, evaluating credit applications, and establishing appropriate credit limits. This role works closely with Collection Specialist and internal teams to resolving disputes with customers. This role plays a vital role in protecting the company’s assets, optimizing cash flow, and maintaining strong customer relationships.

Essential Duties

• Analyze customer financial statements, credit reports, and payment history to assess creditworthiness and determine appropriate credit limits.
• Review and approve credit applications in accordance with company policies and risk tolerance.
• Monitor existing customer accounts for changes in credit risk and recommend adjustments to credit terms as needed.
• Collaborate with Collection team to support resolution of high-risk or deliquent accounts and disputes with customers.
• Maintain accurate and up-to-date credit files and tax exemption certificates for audit and compliance purposes.
• Partner with internal teams to support strategic account decisions and ensure alignment on credit policies.
• Prepare and present credit risk reports and accounts receivable aging reports to management, highlighting trends and potential exposure.
• Support month-end and year-end closing processes by providing accurate accounts receivable data and reconciliation support.
• Contribute to process improvements in credit policies, procedures, and scoring models.
• Support financial projects and initiatives as assigned by the supervisor, contributing to cross-functional collaboration and timely execution.

Physical Demands / Work Environment

• Working conditions are typical for an office environment
• Work requires extensive work using a computer
• Maintain seated posture/position for eight or more hours per day
• Responsibilities may require evening and weekend work in response to needs of the systems being supported

Minimum Requirements

• Associate’s degree in Accounting, Finance, Business Administration, or a related field.
• 2-4 years of experience in credit analysis, accounts receivable, or a related financial role preferred.
• Proficient in Microsoft Excel and accounting software.
• Strong analytical skills with attention to detail and accuracy in financial evaluations and reporting.
• A "get things done" and "do more with less" attitude, with a relentless focus on efficiency and results.
• Strong communication and problem-solving skills for interacting with customers and internal teams.
• Commitment to continuous learning and skillset development.