Credit & Collections Analyst

Construction Specialties; Muncy (Lycoming County); On-site; USD 45,000 - 65,000; Full time

Job summary

Construction Specialties is seeking a Credit and Collections Specialist to review credit sources, establish lines of credit, and manage delinquent accounts across our customer base. The role emphasizes accurate record-keeping, liaison with lenders, preparation of notices and liens where required, and collaboration with sales and operations to protect cash flow.

Experience in construction materials distribution and knowledge of Mechanic's Liens is preferred.

Qualifications

• Associate degree or equivalent from two-year college or technical school.
• 3–5 years of dedicated commercial credit and collections experience.
• Mandatory experience in construction, subcontracting, industrial manufacturing, or building materials distribution.
• Legal knowledge with Mechanic’s Liens and lien waiver processes.
• Proficiency in major ERP systems.
• Strong negotiation skills while maintaining client relationships.
• Ability to read and interpret credit documents and write routine reports.
• Excellent interpersonal skills and teamwork ability.
• Computer literacy and ability to work in a team environment.
• High stress tolerance and proactive problem-solving.

Responsibilities

• Gathers and compiles credit information using established procedures.
• Maintains reports on credit risks in granting credit to new customers.
• Evaluates credit worthiness and establishes customer lines of credit.
• Mails form letters to encourage payment of delinquent accounts.
• Confers with customers by phone to determine reason for overdue payment.
• Confer with supervisor on resolution of difficult cases.
• Contacts delinquent accounts and documents inquiries for accurate data.
• Records financial status and collection progress of customers.
• Prepares liens, waivers, and notices to owners or lenders.
• Processes claims in bankruptcy or legal proceedings.
• Assists in confirming receivables, bad debts, and reserves.
• Sorts and files correspondence and grants extensions of credit.
• Prepares reports on credit and collection activity; assists with year-end audit.
• Ensures conformance to ISO 14001 EMS standards within environmental policy.

Skills

Negotiation skills

Communication skills

Interpersonal skills

Time management

Teamwork

Education

Associate degree (A. A.) or equivalent

Tools

ERP systems

Job description

SCOPE OF POSITION

Contacts, reviews, monitors and evaluates various credit sources, credit files, customer accounts, and delinquent payments. Establishes customers’ line of credit and compiles information and calls and/or sends standard and special legal forms to credit organizations, banks and loan associations. Maintains records on incomplete files, credit risks and delinquent accounts. Reviews lists for delinquent accounts and prepares follow-up letters. Operates computer terminal to input or update accounts.

Job Description

Contacts, reviews, monitors and evaluates various credit sources, credit files, customer accounts, and delinquent payments. Establishes customers’ line of credit and compiles information and calls and/or sends standard and special legal forms to credit organizations, banks and loan associations. Maintains records on incomplete files, credit risks and delinquent accounts. Reviews lists for delinquent accounts and prepares follow-up letters. Operates computer terminal to input or update accounts.

Responsibilities

ESSENTIAL DUTIES AND RESPONSIBILITIES

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Gathers and compiles credit information using established and well-defined procedures.
• Maintains reports on credit risks in granting credit to new customers or in the review of credit extension requests.
• Evaluate credit worthiness and establishes customers line of credit.
• Mails form letters to customers to encourage payment of delinquent accounts.
• Confers with customer by telephone in attempt to determine reason for overdue payment, reviewing terms of sales, service, or credit contract with customer.
• Confers with supervisor concerning the resolution of difficult cases.
• Contacts delinquent account customers. Documents all customer telephone inquiries to ensure accurate credit data.
• Records information about financial status of customer and status of collection efforts.
• Prepares liens, waivers, special billing forms, and statutory notices to owners or lenders.
• Processes claims in bankruptcy or legal proceedings.
• Assists in confirmation of receivables, bad debts and reserve accounts.
• Sorts and files correspondence.
• Grants extensions of credit.
• Prepares reports reflecting status of credit and collection activity in area of responsibility.
• Assists with year-end audit.
• Ensures conformance to all aspects of the ISO 14001 standard and Construction Specialties’ Environmental Management System (EMS), including its environmental policy while performing job functions that may have a significant impact on the environment.
• Performs other related duties as assigned by management.

Qualifications

KNOWLEDGE/ SKILLS/ EXPERIENCE/ EDUCATION:

(Minimum Education and/or Experience required)

• Associate degree (A. A.) or equivalent from two-year college or technical school.
• Minimum of 3–5 years of dedicated commercial credit and collections experience.
• Mandatory experience working in a construction, subcontracting, industrial manufacturing, or building materials distribution environment.
• Legal Knowledge and experience with Mechanic’s Liens, and conditional/unconditional lien waiver processes.
• Technical Skills: Proficiency in major ERP systems.
• Communication: Strong negotiation skills with the ability to maintain firm collection boundaries while preserving vital client relationships.
• Ability to read and interpret credit documents, customer accounts and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively to customers, credit sources, and employees of organization.
• Strong interpersonal/customer contact/negotiation skills. Must be able to build positive working relationships.
• Computer literate.
• Ability to excel in team environment.
• Ability to pursue problem accounts and gain commitment while maintaining a positive company image.
• Excellent follow-up skills be well organized and have ability to initiate action when confronted with a problem.
• Must have high stress tolerance level.