Credit & Collections Representative

Circle Logistics; Fort Wayne (IN); On-site; USD 45,000 - 65,000; Full time

Benefits offered by this job

Competitive base salary + uncapped commission

On-site training and career development

Insurance benefits including health, vision, dental

Job summary

Circle Logistics in Fort Wayne, Indiana, is seeking a detail-oriented Credit & Collections Representative to manage customer accounts throughout the credit lifecycle. This role involves evaluating creditworthiness, executing timely collections, and collaborating with sales and operations teams.

The ideal candidate will have at least 2 years of experience in credit management or collections, strong communication skills, and proficiency in Microsoft Excel. Benefits include competitive salary, commissions, and insurance coverage.

Qualifications

• Minimum 2+ years of professional experience in credit management or collections.
• Knowledge of order-to-cash processes and credit risk assessment fundamentals.
• Ability to conduct professional conversations while maintaining business relationships.

Responsibilities

• Manage customer account portfolios and optimize Days Sales Outstanding (DSO).
• Execute outbound collection activities for overdue invoices.
• Conduct credit evaluations for new customer applications.

Skills

Credit management

Professional communication

Microsoft Excel

Organizational skills

Tools

Transportation Management Systems

QuickBooks

CRM tools

Job description

Job Description

We are seeking a detail-oriented Credit & Collections Representative to manage a portfolio of customer accounts throughout the credit lifecycle, from initial onboarding through payment collection. This position requires the ability to evaluate creditworthiness, execute timely collection of outstanding receivables, and collaborate with sales and operations teams to resolve disputes while maintaining business continuity. This role demands strong relationship management capabilities combined with professional assertiveness in collections activities.

Primary Responsibilities

• Manage and monitor customer account portfolios, tracking aging schedules and prioritizing collection outreach to optimize Days Sales Outstanding (DSO) and minimize past-due balances
• Execute outbound collection activities, including telephone communications and written correspondence, to secure payment on overdue invoices
• Conduct credit evaluations for new customer applications utilizing established scoring frameworks, including credit report analysis and reference verification, to determine appropriate credit limits and payment terms
• Assess existing customer accounts for credit limit modifications and term extensions, applying standardized internal scoring criteria
• Investigate and resolve billing discrepancies, short payments, and deductions through coordination with sales representatives, operations personnel, and customers
• Process and reconcile cash applications, investigate unapplied or misapplied payments, and maintain account accuracy
• Implement credit holds on accounts and escalate severely delinquent accounts for third-party collections or legal proceedings in accordance with company policy
• Document all collection activities and customer communications with comprehensive, accurate records
• Generate aging reports and exposure analyses for management review and identify emerging credit risks

Required Qualifications

• Minimum 2+ years of professional experience in credit management, collections, or accounts receivable functions (freight brokerage, transportation, or 3PL industry experience strongly preferred)
• Demonstrated knowledge of order-to-cash processes and credit risk assessment fundamentals
• Professional communication skills with the ability to conduct firm, professional conversations while maintaining business relationships
• Proficiency in Microsoft Excel, including data sorting, filtering, and lookup functions, with demonstrated ability to work across multiple software systems
• Exceptional organizational capabilities with meticulous attention to detail and the capacity to manage high-volume account portfolios
• Self-directed work approach with demonstrated accountability and follow-through on assigned tasks

Preferred Qualifications

• Experience with Transportation Management Systems (TransportPro, Cargotel, or equivalent) and accounting software platforms (QuickBooks)
• Familiarity with Customer Relationship Management (CRM) tools, such as HubSpot
• Background in commercial credit reporting tools and new-customer underwriting processes

Benefits

• Competitive base-salary + uncapped commission
• On-site training and career development with a fast track to promotion
• Insurance benefits including: Health, vision, dental, life, and disability
• Paid holidays and paid time off after 90 days