Credit Analyst: Risk & Onboarding Specialist

Nichiha; Johns Creek (GA); Hybrid; USD 65,000 - 90,000; Full time

Job summary

Nichiha in Johns Creek, GA is seeking a Credit Analyst to evaluate and manage customer credit accounts, balance risk, and support onboarding with thorough credit analysis and policy adherence.

The role collaborates with Sales, Customer Service, Accounting, and leadership to analyze financial statements, set credit limits, and maintain accurate records in the ERP (IFS). Experience in credit insurance and lien processes is a plus.

Qualifications

• Bachelor's degree in Finance, Accounting, Business, or related field (or equivalent experience).
• 3–5+ years of experience in credit analysis, accounts receivable, or a related field.

Responsibilities

• Evaluate and establish new customer accounts, including credit analysis, financial review, and credit limit recommendations.
• Gather and analyze financial statements, credit reports, and trade references to assess customer creditworthiness and minimize risk.
• Set up and maintain accurate customer records within the ERP system (IFS).
• Request and manage approvals for new accounts and credit limits in accordance with company policy.
• Apply for and manage credit insurance coverage, including working with providers (e.g., Euler Hermes) and filing claims when necessary.
• Collect and maintain sales tax exemption certificates and required customer documentation.
• Communicate directly with customers to obtain required documentation, resolve discrepancies, and support account setup.
• Monitor statement generation to ensure customers receive accurate invoices and resolve delivery issues.
• Maintain accurate and organized customer credit files, ensuring all information is current and complete.
• Process customer payments, including credit card transactions when needed.
• Collaborate with Sales, Customer Service, Accounting, and leadership to support customer onboarding and account management.
• Participate in regular credit team meetings and provide updates on account status and risk exposure.
• Assist the Credit Manager with reporting, credit insurance updates, and process improvements.
• Support lien waiver processing and verification activities.
• Serve as backup for collections activities and assist the Collections & Risk Analyst as needed.
• Ensure all activities are conducted in compliance with company credit policies and procedures.

Skills

Excellent communication

Analytical thinking

Credit risk assessment

Multitasking

Team collaboration

Education

Bachelor's degree in Finance, Accounting, Business, or related field

Tools

IFS ERP

Credit reporting tools

Excel

Job description

Nichiha in Johns Creek, GA is seeking a Credit Analyst to evaluate and manage customer credit accounts, balance risk, and support onboarding with thorough credit analysis and policy adherence.

The role collaborates with Sales, Customer Service, Accounting, and leadership to analyze financial statements, set credit limits, and maintain accurate records in the ERP (IFS). Experience in credit insurance and lien processes is a plus.