Credit & Collections Analyst

CRH; Harrisburg (Dauphin County); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Competitive pay

Benefits package

Retirement plan

Wellness program

Growth opportunities

Job summary

Pennsy Supply, a CRH company, is seeking a Credit & Collections Analyst to manage a portfolio of commercial customer accounts, drive timely collections, and minimize credit risk. You will liaise with Sales, Customer Service, Operations, Billing, and Finance to resolve payment issues and improve cash flow.

The role emphasizes outbound collections, account research, and building strong customer relationships while supporting the Credit & Collections Manager on portfolio management and process

Qualifications

• Strong collection, negotiation, and account resolution skills.
• Excellent verbal communication skills with high-volume outbound calls.
• Proven ability to build and maintain positive customer relationships via phone and email.
• Strong listening skills and ability to influence payment outcomes.
• Professional and persistent in difficult collection situations.
• Strong analytical and problem-solving capabilities.
• Highly organized with excellent follow-up and time management.
• Advanced proficiency in Microsoft Excel and Microsoft Office applications.
• Self-motivated with a strong sense of accountability and ownership.

Responsibilities

• Manage an assigned portfolio of commercial customer accounts with a focus on reducing delinquency and improving cash flow.
• Conduct a high volume of outbound collection calls and emails daily to secure payment on past due accounts.
• Review aging reports and prioritize collection efforts based on account exposure, risk level, payment history, and aging status.
• Contact customers regarding overdue invoices, missed payment commitments, unapplied cash, and disputed balances.
• Negotiate payment arrangements and establish realistic payment plans when appropriate.
• Monitor payment commitments and follow up promptly on broken promises to pay.
• Perform skip tracing and account research when customer contacts become inactive or unresponsive.
• Escalate chronically delinquent accounts according to established credit and collection procedures.
• Place accounts on credit hold when necessary and communicate account status to internal customers and management.
• Research and resolve billing discrepancies, pricing issues, short payments, deductions, missing documentation, and disputed invoices.
• Work closely with Sales, Customer Service, Dispatch, Billing, and Operations to remove barriers preventing payment.
• Reconcile customer accounts and identify aging items requiring resolution.
• Maintain detailed collection notes documenting conversations, commitments, disputes, and follow-up actions.
• Monitor customer payment trends and identify potential credit risks before balances become delinquent.
• Assist with collection agency placements, lien-related documentation, and other escalated collection activities when necessary.
• Consistently meet established collection performance metrics and portfolio objectives.

Skills

Collection skills

Negotiation

Customer relationships

Verbal communication

Analytical thinking

Time management

Excel proficiency

Ownership / accountability

Tools

Microsoft Excel

Microsoft Office

Job description

Job ID: 529193

Pennsy Supply is a CRH company. CRH is the leading vertically integrated supplier of asphalt, aggregates, cement, ready-mix concrete, and paving and construction services in North America. Our 24,100 employees at 1,300 operating locations provide our customers with top-quality, innovative products and services.

Position Summary

The Credit & Collections Analyst is responsible for managing a portfolio of commercial customer accounts while supporting the overall credit and collections strategy of the organization. This role serves as the primary liaison between customers and internal departments to drive timely collections, resolve account issues, and minimize credit risk.

The successful candidate will build strong working relationships with customers through frequent phone and email communication while partnering with internal customers in Sales, Customer Service, Operations, Billing, and Finance to resolve payment issues and improve cash flow. This position serves as a key support resource and right-hand partner to the Credit & Collections Manager by assisting with portfolio management, reporting, process improvements, training initiatives, and departmental projects. The ideal candidate is highly organized, analytical, persistent, and comfortable spending a significant portion of the day communicating with customers regarding outstanding balances and payment commitments.

Collections & Accounts Receivable Management

• Manage an assigned portfolio of commercial customer accounts with a focus on reducing delinquency and improving cash flow.
• Conduct a high volume of outbound collection calls and emails daily to secure payment on past due accounts.
• Review aging reports and prioritize collection efforts based on account exposure, risk level, payment history, and aging status.
• Contact customers regarding overdue invoices, missed payment commitments, unapplied cash, and disputed balances.
• Negotiate payment arrangements and establish realistic payment plans when appropriate.
• Monitor payment commitments and follow up promptly on broken promises to pay.
• Perform skip tracing and account research when customer contacts become inactive or unresponsive.
• Escalate chronically delinquent accounts according to established credit and collection procedures.
• Place accounts on credit hold when necessary and communicate account status to internal customers and management.
• Research and resolve billing discrepancies, pricing issues, short payments, deductions, missing documentation, and disputed invoices.
• Work closely with Sales, Customer Service, Dispatch, Billing, and Operations to remove barriers preventing payment.
• Reconcile customer accounts and identify aging items requiring resolution.
• Maintain detailed and accurate collection notes documenting customer conversations, commitments, disputes, and follow-up actions.
• Monitor customer payment trends and identify potential credit risks before balances become significantly delinquent.
• Assist with collection agency placements, lien-related documentation, legal referrals, and other escalated collection activities when necessary.
• Consistently meet established collection performance metrics and portfolio objectives.

Customer Relationship Management

• Develop and maintain strong professional relationships with customers through regular phone and email communication.
• Serve as a primary contact for customer payment inquiries and account-related concerns.
• Build trust and rapport while maintaining a firm and professional approach to collections.
• Communicate effectively with both external customers and internal customers to resolve issues impacting payment.
• Balance collection objectives with exceptional customer service to preserve long-term business relationships.
• Demonstrate professionalism, persistence, and confidence when handling difficult collection conversations.

Knowledge, Skills & Abilities

• Strong collection, negotiation, and account resolution skills.
• Exceptional verbal communication skills with confidence making high-volume outbound collection calls.
• Proven ability to build and maintain positive customer relationships primarily through phone and email communication.
• Strong listening skills and the ability to influence payment outcomes through effective communication.
• Ability to remain professional and persistent when handling difficult collection situations.
• Strong analytical and problem‑solving capabilities.
• Highly organized with excellent follow‑up and time management skills.
• Advanced proficiency in Microsoft Excel and Microsoft Office applications.
• Self-motivated with a strong sense of accountability and ownership.

Success in This Role Looks Like

• Consistently reducing past due balances and improving portfolio aging.
• Building strong working relationships with customers that lead to faster issue resolution and payment.
• Maintaining a disciplined follow‑up process on payment commitments.
• Identifying potential collection and credit risks early.
• Serving as a trusted partner and primary support resource to the Credit & Collections Manager.
• Driving measurable improvements in cash flow, collection effectiveness, and departmental performance.

What CRH Offers You

• Highly competitive base pay
• Comprehensive medical, dental and disability benefits programs
• Group retirement savings program
• Health and wellness programs
• An inclusive culture that values opportunity for growth, development, and internal promotion

About CRH

CRH has a long and proud heritage. We are a collection of hundreds of family businesses, regional companies and large enterprises that together form the CRH family. CRH operates in a decentralized, diversified structure that allows you to work in a small company environment while having the career opportunities of a large international organization.

Pennsy Supply, a CRH Company, is an affirmative action and equal opportunity employer.

EOE/Vet/Disability

CRH is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.

AI tools may be used in certain stages of the employment lifecycle, such as candidate review; however, all final employment decisions will be made by a person.