Credit and Cash Operations Specialist

Harmer; Houston (TX); On-site; USD 70,000 - 96,000; Full time

Job summary

Harmer is actively seeking an experienced Cash & Credit Operations Analyst to assess credit risk, analyze customer financials, and support decision-making for credit limits and exposure. The role involves working with sales to balance risk with business objectives and to enhance credit controls.

The ideal candidate has 2.5+ years of hands-on commercial credit analysis experience, strong financial acumen, and excellent written and verbal communication skills. Bilingual English/Spanish is a plus.

Qualifications

• 2.5+ years of hands-on commercial credit analysis experience.
• Experience analyzing financial statements, spreading financials, assigning risk ratings, and recommending credit limits.
• Strong financial acumen and written/verbal communication skills; ability to articulate credit decisions diplomatically.

Responsibilities

• Perform detailed financial statement spreading and analysis to evaluate customer creditworthiness.
• Analyze year-over-year financial performance, cash flow, liquidity, and financial risk.
• Recommend customer credit limits, credit ratings, and risk classifications.
• Prepare written credit analyses and recommendations to support credit decisions.
• Partner with sales teams to evaluate customer credit exposure and recommend solutions balancing risk with business objectives.
• Monitor customer accounts, identify potential credit risks, and support collections and order release decisions.
• Identify opportunities to strengthen credit policies, processes, and controls.

Skills

Credit analysis

Financial statement analysis

Cash flow analysis

Risk assessment

Written communication

Verbal communication

Diplomacy in negotiations

Bilingual English/Spanish

Tools

SAP

Job description

Harmer is actively recruiting for an experienced Cash & Credit Operations Analyst with a strong background in credit risk assessment and commercial credit decision-making.

Key Responsibilities:

• Perform detailed financial statement spreading and analysis to evaluate customer creditworthiness.
• Analyze year-over-year financial performance, cash flow, liquidity, and financial risk.
• Recommend customer credit limits, credit ratings, and risk classifications.
• Prepare written credit analyses and recommendations to support credit decisions.
• Partner with sales teams to evaluate customer credit exposure and recommend solutions that balance risk with business objectives.
• Monitor customer accounts, identify potential credit risks, and support collections and order release decisions.
• Identify opportunities to strengthen credit policies, processes, and controls.

Qualifications:

• 2.5+ years of hands-on commercial credit analysis experience required.
• Demonstrated experience analyzing financial statements, spreading financials, assigning risk ratings, and recommending credit limits.
• Strong financial acumen, analytical judgment, and written and verbal communication skills.
• Ability to communicate credit decisions and diplomatically challenge business partners when necessary.
• SAP experience preferred.
• Bilingual English/Spanish a plus.
• Continuous improvement mindset and ability to manage competing priorities.

This is a true credit analysis opportunity, not a credit administration or collections-focused position.