Credit Analyst — Growth, Stability & Benefits

Mustang Cat; Houston (TX); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Great Work-Life Balance

Career Growth Opportunities

Comprehensive Benefits Package – Med,

401(k) with Employer Match

Tuition Reimbursement & Development

Paid Time Off & Holidays

Job summary

Mustang Cat in Houston, TX is seeking a detail-oriented Credit Analyst to support the Credit & Collections team. You will evaluate credit applications, assess risk, and establish credit limits while protecting the company’s financial interests.

This role requires 3–5 years in commercial credit analysis, strong Excel skills, and the ability to make independent, timely credit decisions in a fast-paced environment.

Qualifications

• 3–5 years of experience in commercial credit analysis, underwriting, or credit decision-making.
• Experience evaluating commercial and consumer credit information.
• Strong understanding of financial statements, credit reports, payment trends, and financial risk assessment.
• Familiarity with Dun & Bradstreet, Experian Business, MicroBilt, or similar credit reporting platforms.
• Proficiency in Microsoft Excel and strong analytical and problem-solving skills.
• Ability to make sound, independent credit decisions while managing multiple priorities.
• Excellent communication, organizational, and relationship-building skills.

Responsibilities

• Review and evaluate commercial and eligible consumer credit applications to determine creditworthiness and appropriate credit limits.
• Analyze business and consumer credit reports using Dun & Bradstreet, Experian, MicroBilt, and similar platforms.
• Review financial statements, cash flow, payment histories, trade references, and other financial information to assess credit risk.
• Approve, decline, or recommend credit terms and limits within established authority.
• Evaluate existing customer accounts and recommend credit limit adjustments based on payment performance and financial condition.
• Monitor accounts for potential credit risks, including delinquent balances, bankruptcies, liens, and other financial concerns.
• Review equipment release requests to verify payment, financing, and documentation requirements have been satisfied.
• Partner with Sales teams, Credit & Collections leadership, and internal departments to support timely credit decisions.
• Maintain accurate credit records and documentation while ensuring compliance with company policies and applicable regulations.
• Identify opportunities to improve credit processes, reduce financial exposure, and support operational efficiency.

Skills

Credit analysis

Financial statement analysis

Excel

Risk assessment

Communication

Independent decision-making

Education

Bachelor's degree in Finance/Accounting/Business

Tools

Dun & Bradstreet

Experian

MicroBilt

Job description

Mustang Cat in Houston, TX is seeking a detail-oriented Credit Analyst to support the Credit & Collections team. You will evaluate credit applications, assess risk, and establish credit limits while protecting the company’s financial interests.

This role requires 3–5 years in commercial credit analysis, strong Excel skills, and the ability to make independent, timely credit decisions in a fast-paced environment.