Credit Analyst

SanMar- External; United States; Remote; USD 30,000 - 48,000; Full time

Benefits offered by this job

Medical, Dental, Vision

401k with company match

Life Insurance

Disability Insurance

Maternity/Paternity Leave

Pet Insurance

Job summary

SanMar- External is seeking a Credit Analyst to work closely with customers and internal teams to build business opportunities while controlling financial risk. You will assess credit applications, request and review financial data, and develop solutions that support growth within SanMar's risk guidelines.

Ideal candidates have 4+ years in credit or AR, strong analytical and negotiation skills, and the ability to manage multiple tasks with precision.

Qualifications

• 4+ years of credit or accounts receivable experience or equivalent education.
• Strong risk management and decision-making capabilities.
• High proficiency with computer software applications.

Responsibilities

• Review credit applications, pull reports, request references and financials to decide on credit within guidelines.
• Monitor existing credit files to promote sales while managing risk; request financial statements and analyze histories.
• Liaise with customers to gather information, negotiate terms, and provide options for mutually beneficial outcomes.
• Share results with internal teams and guide them on credit review impacts.
• Review custom orders, determine deposits/terms, and maintain logs.
• Provide reporting on specific customers and segments and maintain account information.

Skills

Credit risk analysis

Communication

Negotiation

Time management

Team player

Analytical thinking

Adaptability

Problem solving

Learning mindset

Education

Bachelor’s degree or equivalent

Tools

Computer software proficiency

Job description

What's the Short Version?

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 communication skills
• 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:

• Comprehensive medical, dental, and vision 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
• Pet insurance

What Should You Expect?

Remote: Our standard working hours are 8:00-5:00 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.