Credit & Collections Analyst - Drive Cash Flow & Risk

Pennsy Supply, Inc.; Harrisburg (Dauphin County); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Competitive base pay

Medical, dental & disability benefits

Retirement savings program

Inclusive culture

Job summary

Pennsy Supply, Inc. is hiring a Credit & Collections Analyst to manage a portfolio of commercial accounts, drive timely collections, and minimize credit risk.

The role involves daily outbound calls, collaboration with Sales, Customer Service, and Finance, and ongoing process improvements to support cash flow. The ideal candidate is highly organized and excels at communicating with customers to secure payments.

Qualifications

• Strong collections, 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.
• 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 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.

Skills

Collections

Negotiation

Account resolution

Verbal communication

Outbound calling

Customer relationships

Active listening

Analytical thinking

Time management

Ownership & accountability

Tools

Microsoft Excel

Microsoft Office

Job description

Pennsy Supply, Inc. is hiring a Credit & Collections Analyst to manage a portfolio of commercial accounts, drive timely collections, and minimize credit risk.

The role involves daily outbound calls, collaboration with Sales, Customer Service, and Finance, and ongoing process improvements to support cash flow. The ideal candidate is highly organized and excels at communicating with customers to secure payments.