Credit Analyst

SanMar-Internal; United States; Remote; USD 36,000 - 43,000; Full time

Benefits offered by this job

401k plan with matches

Life insurance

Disability coverage

Paid maternity/paternity leave

Paid time off

Job summary

SanMar-Internal is seeking a Credit Analyst to manage credit applications, review credit files, and work with customers and internal teams to determine credit terms that support sales growth while controlling risk. The role involves collecting financial information, negotiating options, and maintaining accurate customer records.

The position emphasizes collaboration, analytical thinking, and strong communication skills to support the organization’s credit decisions and policies.

Qualifications

• 4+ years of related credit or accounts receivable experience or equivalent education.
• Experience in risk management and decision making.
• High level of competency with computer and software applications.

Responsibilities

• Review credit applications, pull credit reports, request trade references and financials to make credit decisions.
• Review existing customer credit files to promote sales growth while managing risk.
• Communicate with customers to learn about their business and negotiate credit options.
• Collaborate with internal teams, sharing results of credit reviews and guidance.
• Review custom orders to determine deposits and terms, and maintain logs.
• Monitor and report on specific customers and segments.
• Maintain customer account information in databases.
• Perform other duties as assigned.
• Comply with all policies and standards.

Skills

Credit / AR experience

Risk management

Decision making

Computer proficiency

Time management

Negotiation

Communication

Analytical thinking

Teamwork

Willingness to learn

Education

Related credit or AR education

Job description

The Credit Analyst works closely with SanMar's customers, and internal teams to assist in business building opportunities while managing SanMar's risk of financial loss. They process and review new credit applications, credit file reviews, and other customer account changes including ownership and structure changes and mergers. The Credit Analyst communicates directly with customers, discussing and obtaining the financial information necessary to establish credit, negotiating and working with our customers to reach solutions to meet the credit requirements to grow their business.

What Will You Be Doing?

• Review credit applications, pulling credit reports, requesting trade references, financials statements and other information necessary to make credit decisions within assigned guidelines that promote customer sales growth while managing risk within SanMar’s guidelines.
• Review existing customer credit files to promote sales growth while managing risk, requesting and evaluating financial statements, account history, competitor analysis, and additional options that may be required to facilitate such as personal guaranty’s and letters of credit.
• Communicate with SanMar’s customers to learn more about their business, request information, negotiate and provide options that may assist with achieving mutually successful results.
• Communicate with SanMar’s internal teams, sharing results of credit reviews, provide guidance as necessary to assist those teams in their efforts that are impacted by the credit review.
• Review Custom orders, determining deposits and terms for these orders, maintaining custom order record keeping in the custom order log.
• Monitor and provide reporting on specific customers and customer segments.
• Maintain customer account information in SanMar’s databases.
• Perform other duties as assigned.
• Comply with all policies and standards.

What Are We Looking For?

• 4+ years of related credit or account receivable experience or equivalent education
• Experienced in risk management and decision making
• High level of competency with computer and software applications
• Excellent time management and organization skills; to effectively reach goals of team, department and company
• Strong negotiating skills – ability to achieve positive results
• Ability to communicate effectively with diplomacy and tact
• Ability and willingness to learn
• Strong analytical and problem-solving skills
• Must be able to work as part of a team and be self-directed with minimal supervision
• Approachable and flexible, demonstrating the ability to change directions quickly and positively, recognizing opportunities to reach mutually beneficial solutions

What's Our Offer?

Salary Range: You`ll earn between $25.00 - $34.65 (WA, NJ); $22.88 - $31.70 (MN, NV, TX, VA); $22.00 - $30.49 (AZ, ID, FL MT, OH) on an hourly basis, depending on experience.

Bonus: You`ll be eligible for an annual discretionary bonus up to 5% of base salary.

Paid Time Off: You`ll accrue paid time off on a weekly basis based on hours worked up to 112 hours per year to start. Employees also receive 8 paid holidays and 1 paid family day off.

Additional Benefits:

• 401k plan and matches $1 for $1 up to 4% of earnings, matched & vested at every pay cycle
• Life insurance
• Short/long-term disability coverage
• Paid maternity/paternity leave

What Should You Expect?

Remote: Our standard working hours are 8:00-5:0 PST. Periodic travel may be required. The employee is regularly required to sit for extended periods while working on a computer and participating in virtual and in-person meetings. Frequent use of hands for keyboarding and standard office equipment is required. Occasional standing, walking, and reaching may be needed to attend meetings or collaborate in an office setting. The role requires the ability to perform close visual work on a computer for extended periods. The employee may occasionally lift and/or move up to 10–15 pounds. Reasonable accommodations may be available to enable individuals with disabilities to perform essential job functions.

Voluntary Self-Identification

For government reporting purposes, we ask candidates to respond to the below self-identification survey.Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiringprocess or thereafter. Any information that you do provide will be recorded and maintained in aconfidential file.

As set forth in SanMar-Internal ’s Equal Employment Opportunity policy,we do not discriminate on the basis of any protected group status under any applicable law.

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection.As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measurethe effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categoriesis as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.