Credit Analyst

Rust-Oleum; St. Louis (MO); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

401K match

Retirement pension plan

Comprehensive benefits package

Job summary

Carboline, a St. Louis-based coatings manufacturer, is seeking a Credit Analyst to protect financial health while supporting growth.

You will evaluate customer creditworthiness, manage collections, resolve holds, and partner with Sales, Customer Service, and Accounting to ensure timely payments and a smooth customer experience. The role emphasizes strong analytical and communication skills, MS Office proficiency, and the ability to balance risk with growth.

Qualifications

• Minimum 1 year of collections, credit, accounts receivable, or related financial experience
• Strong analytical, organizational, and communication skills
• Proficiency with Microsoft Office and financial systems

Responsibilities

• Review and release customer orders on credit hold by assessing account status, payment trends, and credit risk
• Evaluate new customer accounts through credit applications, financial statements, references, and credit reports
• Establish and recommend credit limits while balancing business growth and financial risk
• Monitor customer accounts, resolve credit concerns, and take proactive steps to mitigate risk
• Manage collections activities and partner with customers to resolve outstanding balances and improve cash flow
• Utilize risk mitigation tools such as bonds, guarantees, joint check agreements, and lien rights when appropriate
• Reconcile accounts, resolve discrepancies, and maintain accurate customer records
• Support collection agencies and legal recovery efforts through documentation and claim preparation
• Apply sound judgment to credit decisions, payment trends, and order approvals, escalating complex situations as needed
• Partner with Sales, Customer Service, Accounting, and customers to deliver solutions that support both customer satisfaction and business objectives
• Thrive in a fast-paced environment while managing multiple priorities with attention to detail and exceptional service

Skills

Analytical skills

Organizational skills

Communication skills

Credit analysis

Excel

Education

High School Diploma

Tools

Microsoft Office

Financial systems

Job description

JOB DESCRIPTION

Title: Credit Analyst

Location: St.Louis, MO (On-Site)

Summary:

Join Carboline's team as a Credit Analyst, where you'll play a key role in protecting the company's financial health while supporting business growth.In this position, you'll evaluate customer credit worthiness, manage collections activities, resolve credit holds, and partner closely with Sales, Customer Service, and Accounting to ensure a smooth customer experience and timely payment of accounts.

Minimum Requirements:

• High School Diploma or equivalent
• Minimum of 1 year of collections, credit, accounts receivable, or related financial experience
• Strong analytical, organizational, and communication skills
• Proficiency with Microsoft Office and financial systems

Physical Requirements:

• This position requires minimal physical activity but does involve extended computer usage, up to 8 hours per day.
  
• No unusual environmental, lifting, or exertion requirements are associated with this role.
  

Essential Functions:

• Review and release customer orders on credit hold by assessing account status, payment trends, and credit risk.
• Evaluate new customer accounts through credit applications, financial statements, references, and credit reports.
• Establish and recommend credit limits while balancing business growth and financial risk.
• Monitor customer accounts, resolve credit concerns, and take proactive steps to mitigate risk.
• Manage collections activities and partner with customers to resolve outstanding balances and improve cash flow.
• Utilize risk mitigation tools such as bonds, guarantees, joint check agreements, and lien rights when appropriate.
• Reconcile accounts, resolve discrepancies, and maintain accurate customer records.
• Support collection agencies and legal recovery efforts through documentation and claim preparation.
• Apply sound judgment to credit decisions, payment trends, and order approvals, escalating complex situations as needed.
• Partner with Sales, Customer Service, Accounting, and customers to deliver solutions that support both customer satisfaction and business objectives.
• Thrive in a fast-paced environment while managing multiple priorities with attention to detail and exceptional service.

Who We Are:

Carboline is a St.Louis-based coatings manufacturer with a global reach.The company, founded in 1947, produces high-quality performance coatings, linings, and fireproofing products in more than 20 manufacturing facilities around the world.Carboline has been ranked a top workplace, so culture and maintaining a safe and clean work environment is something we take very seriously.

Carboline is part of RPM International Inc., a $7.6 billion, multinational company with subsidiaries that are world leaders in specialty coatings, sealants, building materials and related services.From homes and workplaces to infrastructure and precious landmarks, RPM's market-leading brands are trusted by consumers and professionals alike to help build a better world.If you want to be part of a growing global organization with opportunity for growth, we would like to meet you.

What We Offer:

We offer a team atmosphere that fosters cooperation and creativity; a management team committed to employee development and an environment where people are empowered to make decisions.Our career opportunities offer unlimited earnings potential, and our comprehensive benefits package is among the best in the industry which includes affordable benefits, a company match 401K plan and a retirement pension plan.

Carboline is an Equal Opportunity Employer that values the strength diversity brings to the workplace.

Individuals with Disabilities and Protected Veterans are encouraged to apply.

"In order to be the best, we must hire the best."