Credit Analyst: Risk, Collections & Cash Flow

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

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.