Credit Analyst

Phoenix Management Solutions, LLC; San Antonio (TX); On-site; USD 60,000 - 80,000; Full time

Benefits offered by this job

On-site at San Antonio HQ

Job summary

Phoenix Management Solutions, LLC is seeking a Credit Analyst to join our on-site team in San Antonio, TX. The role focuses on managing customer credit reviews, monitoring utilization, and supporting proactive risk management.

The Credit Analyst will collaborate with Accounting, Sales, Operations, and Leadership to onboard customers, monitor exposure, and enforce credit policies. Strong analytical skills and professional communication are essential.

Qualifications

• Bachelor’s degree in Accounting, Finance, Business, or related field.
• 3-5 years of experience in Credit, Accounts Receivable, Cash Application, or Accounting.
• Experience with ERP/TMS systems.
• Strong analytical and problem-solving skills.

Responsibilities

• Review and analyze new customer credit applications, including trade references, financial statements, and credit reports.
• Recommend credit limits and payment terms based on policy and risk assessment.
• Monitor existing accounts for changes in payment behavior and risk exposure.
• Maintain customer credit files and supporting documentation.
• Escalate high-risk accounts or significant exposure changes to management.
• Prepare AR aging reports and customer exposure summaries.
• Assist leadership with customer-specific account analysis and reporting.
• Support audit requests related to AR and credit functions.

Skills

Credit analysis

Accounts Receivable

Analytical skills

Attention to detail

Communication skills

Multi-priority management

Education

Bachelor’s degree in Accounting

Tools

NetSuite

Salesforce

Revenova

Job 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.

• 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.