Credit & Collections Analyst

Cemstone; Mendota Heights (MN); On-site; USD 60,000 - 70,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Life Insurance

Retirement Plans

Paid Time Off

Wellness Program

Education Assistance

Employee Assistance Program

Job summary

Cemstone is seeking a Credit Analyst to assess customer creditworthiness, extend lines of credit and manage accounts receivable risks. You will partner with Sales, Shared Services, and Customer Service to reduce DSO while maintaining strong customer relationships.

The role requires 5+ years in credit/collections, a Finance/Accounting degree, and experience with NetSuite and ERP systems. This on-site position in Mendota Heights, MN offers comprehensive benefits and growth opportunities.

Qualifications

• 5+ years of credit, collections, or accounts receivable experience.
• Bachelor’s degree in Finance, Accounting, Business, or related field.
• Experience with NetSuite, Experian or Creditsafe, and Microsoft Teams.
• Intermediate knowledge of Microsoft Excel.
• Strong analytical and problem-solving skills.
• Excellent communication and interpersonal skills.
• High attention to detail and strong organizational skills.
• Experience in construction industry preferred.

Responsibilities

• Assess creditworthiness and extend lines of credit.
• Manage accounts receivable risk and collections.
• Collaborate with Sales, Shared Services, and Customer Service.
• Document collection activities in the ERP system.
• Monitor credit exposure and advise on risks.

Skills

Analytical thinking

Problem-solving

Communication skills

Interpersonal skills

Attention to detail

Education

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

Tools

NetSuite

Experian/Creditsafe

Microsoft Teams

Microsoft Excel

Job description

Job Summary:

Cemstone® has become synonymous with high quality products and unparalleled service in the ready-mix concrete industry in the upper midwest. Our reputation is reflected in the structures we’ve helped create and our long-held and long-practiced commitment to our core values. Here’s your opportunity to join an amazing family-owned business that has been around for nearly 100 years!

What You’ll Do:

The Credit Analyst is responsible for assessing customer creditworthiness and extending lines of credit, managing accounts receivable risk, and executing effective collection strategies to ensure timely payment. This role partners closely with Sales, Shared Services, and Customer Service to minimize credit exposure, resolve billing discrepancies, and maintain strong customer relationships while meeting company cash‑flow objectives and other management directives.

Essential Duties and Responsibilities:

Collections

• Proactively manage a portfolio of accounts to ensure timely collection of receivables.
• Investigate and resolve past‑due balances, short payments, and disputed invoices.
• Communicate professionally with customers via phone, email, and written correspondence.
• Negotiate payment plans when necessary while adhering to company policies.
• Document all collection activities in the ERP system.

Credit Management

• Review and analyze new and existing customer credit applications.
• Perform credit risk assessments, scoring, and analysis.
• Recommend and establish appropriate credit limits and payment terms, per company policy.
• Monitor customer credit exposure and elevate high‑risk accounts.

Internal Collaboration & Compliance

• Partner with Sales to communicate and evaluate credit risks for all customers.
• Provide insights to leadership regarding customer risks and collection trends.
• Ensure compliance with internal credit policy and external regulations.
• Participate in process improvement initiatives to reduce DSO and bad‑debt exposure.
• Communicate professionally and effectively to foster relationships and collaboration to achieve positive results.
• Add and maintain customer records and documentation in ERP and linked customer database systems.

Qualifications and Requirements:

• 5+ years of experience in credit, collections, or accounts receivable required.
• Bachelor’s degree in Finance, Accounting, Business, or related field—or equivalent experience required.
• Previous credit and collections experience in the construction industry preferred.
• Knowledge of lien laws, credit compliance, and UCC filings preferred.
• Intermediate knowledge of Microsoft Excel preferred.
• Experience with NetSuite preferred.
• Experience with Experian or Creditsafe preferred.
• Experience with Microsoft Teams preferred.
• Strong analytical and problem‑solving skills preferred.
• Excellent communication and interpersonal skills to develop and maintain positive working relationships with internal and external customers preferred.
• High attention to detail and strong organizational skills preferred.
• Proficiency in Microsoft Office applications preferred.

Pay Range: $60,000-$70,000 annually

Benefits

• Medical Insurance
• Dental Insurance
• Life Insurance
• Retirement Plans
• Paid Time Off
• Wellness Program
• Education Assistance
• Employee Assistance Program

We are proud to be an Equal Opportunity Employer. We recognize that a diverse

workforce is essential and strongly encourage qualified women, minorities,

individuals with disabilities and veterans to apply. Join us in building a diverse and talented workforce that reflects the communities we serve.