Credit Analyst

Jimmy Jazz; San Antonio (TX); On-site; USD 55,000 - 63,000; Full time

Benefits offered by this job

401k retirement benefits

Tuition reimbursement

Paid time off

Weekly payroll

Job summary

Phoenix Management Solutions is hiring a Credit Analyst to join our team in San Antonio. The role focuses on managing customer credit reviews, monitoring utilization, and supporting proactive exposure management to balance growth with risk.

You will collaborate with Accounting, Sales, and Operations to onboard customers, monitor ongoing credit, and ensure cash application accuracy. This is an on-site position at our San Antonio corporate office.

Qualifications

• Bachelor’s degree in Accounting, Finance, Business, or related field required.
• 3-5 years of experience in Credit, Accounts Receivable, Cash Application, or Accounting.
• Transportation, logistics, or freight brokerage experience preferred.
• Experience with ERP/TMS systems such as NetSuite, Salesforce/Revenova, or similar platforms preferred.
• Strong understanding of credit analysis and accounts receivable processes.
• Proficient in Microsoft Excel and reporting tools.
• Strong analytical and problem-solving skills.
• High attention to detail and accuracy.
• Professional communication and customer service skills.
• Ability to manage multiple priorities in a fast-paced environment.
• Strong organizational and follow-up abilities.
• Ability to exercise sound judgment regarding credit risk decisions.
• Team-oriented mindset with the ability to collaborate cross-functionally.

Responsibilities

• Manage customer credit reviews and monitoring of utilization.
• Support proactive exposure management and cross-functional collaboration with Accounting, Sales, and Operations.
• Coordinate with Account Managers on payment actions prior to additional credit extension.
• Maintain customer credit files and supporting documentation.
• Escalate high-risk accounts or significant exposure changes to management.
• Document all credit recommendations, approvals, and leadership decisions.

Skills

Analytical skills

Communication

Multitasking

Detail orientation

Team collaboration

Education

Bachelor’s degree in Accounting, Finance, Business, or related field

Tools

NetSuite

Salesforce/Revenova

Microsoft Excel

Job description

• Base Pay $55,000.00 - $63,000.00 / Year
• Employee Type FT - Exempt
• Required Degree 4 Year Degree
• Manage Others No

Contact information

• Email [e-mail]

Description

Phoenix Management Solutions delivers shared administrative support services to a nationwide network of intermodal transportation carriers and a leading transportation brokerage firm.Our team is growing, and we are hiring a Credit Analyst to work with our team.

The Credit Analyst is responsible for managing customer credit reviews, monitoring customer credit utilization, and supporting proactive exposure management. This role serves as a key partner between Accounting, Sales, and Operations to balance customer growth with responsible credit risk management.

The position requires strong analytical skills, attention to detail, sound judgment, and the ability to communicate professionally with both internal teams and external customers. The Credit Analyst will work closely with Sales, Operations, Accounts Receivable, and Leadership to support customer onboarding, ongoing credit monitoring, and cash application accuracy. This is an on-site position located at our corporate office in San Antonio, Texas.

Requirements

• Complete Customer Onboarding procedures.
• Review and analyze new customer credit applications, including trade references, financial statements, credit bureau reports (D&B, Ansonia, etc.), payment trends, and industry risk factors.
• Recommend appropriate credit limits and payment terms based on company policy and risk assessment.
• Monitor existing customer accounts for changes in payment behavior, utilization trends, and overall risk exposure.
• Maintain customer credit files and supporting documentation.
• Escalate high-risk accounts, past due concerns, or significant exposure changes to management.
• Assist with implementation and enforcement of company credit policies and procedures.
• Review and analyze the twice-weekly Customer Credit Limit Outstanding reports.
• Monitor customer utilization levels and proactively identify accounts approaching credit thresholds.
• Evaluate customer exposure using payment trends, D&B recommendations, business activity, and operational needs.
• Recommend credit limit increases, reductions, or holds based on risk assessment and company policy.
• Exercise professional judgment regarding credit exposure and communicate risk concerns to leadership when necessary.
• Document all credit recommendations, approvals, supporting analysis, and leadership decisions.
• Communicate approved credit limit adjustments and utilization concerns operational leadership and Account Managers.
• Coordinate with Account Managers regarding accounts requiring payment action prior to additional credit extension.
• Maintain ongoing monitoring of customer utilization trends, payment behavior, and emerging credit risks.
• Support the overall credit management function through proactive risk management and cross-functional communication.

Reporting & Analysis

• Prepare AR aging reports and customer exposure summaries.
• Monitor DSO trends and assist in identifying collection risks.
• Assist leadership with customer-specific account analysis and reporting.
• Support audit requests and documentation reviews related to AR and credit functions.

Qualifications

• Bachelor’s degree in Accounting, Finance, Business, or related field required.
• 3-5 years of experience in Credit, Accounts Receivable, Cash Application, or Accounting.
• Transportation, logistics, or freight brokerage experience preferred.
• Experience with ERP/TMS systems such as NetSuite, Salesforce/Revenova, or similar platforms preferred.
• Strong understanding of credit analysis and accounts receivable processes.
• Proficient in Microsoft Excel and reporting tools.
• Strong analytical and problem-solving skills.
• High attention to detail and accuracy.
• Professional communication and customer service skills.
• Ability to manage multiple priorities in a fast-paced environment.
• Strong organizational and follow-up abilities.
• Ability to exercise sound judgment regarding credit risk decisions.
• Team-oriented mindset with the ability to collaborate cross-functionally.

Performance Expectations

• Timely completion of customer credit reviews.
• Accurate maintenance of customer credit limits and utilization monitoring.
• Proactive identification and management of customer credit exposure risks.
• Consistent and well-documented credit recommendations and decisions.
• Effective communication of credit concerns and utilization trends to leadership and Operations.
• Timely review and action on customer utilization reports.
• Consistent adherence to company credit policies and internal controls.

Summary

We offer a comprehensive benefits package after 30 days of employment, 401k retirement benefit, a tuition reimbursement program, paid time off benefits, and weekly payroll.