Credit Risk Analysis

ISCO Industries, Inc.; Louisville (KY); Presencial; USD 65.000 - 90.000; Jornada completa

Descripción de la vacante

ISCO Industries, Inc. in Louisville, KY is seeking a Credit Risk Analyst to evaluate, monitor, and manage customer credit risk, balancing risk with sales growth and on-time order fulfillment.

You will research applicants, establish credit limits, coordinate with credit insurers, maintain documentation, and ensure compliance with company policies while supporting internal teams.

Formación

• 2-year college degree or equivalent work experience.
• Strong communication skills, written and verbal.
• Working knowledge of basic accounting principles.
• Experience with credit evaluation and risk management is a plus.

Responsabilidades

• Conduct credit research on applicants via risk reports and verify information.
• Evaluate creditworthiness and set appropriate credit limits.
• Coordinate with the credit insurer regarding coverage and limits.
• Maintain credit reviews and account documentation per policy.
• Monitor credit holds and facilitate timely order releases.
• Collaborate with internal teams to resolve credit concerns.
• Make timely credit decisions and adjust limits as needed.
• Identify uninsured or underinsured exposure and report risks.

Conocimientos

Strong communication

Problem-solving

Analytical abilities

Time management

Adaptability

Vendor Management (preferred)

MS Office Software (preferred)

Teamwork (preferred)

Educación

Two-year college degree or equivalent

Herramientas

IFS

Nuvo

Billtrust

Descripción del empleo

Position Summary:

The Credit Risk Analyst will be responsible for evaluating, monitoring and managing customer credit risk to minimize financial exposure while supporting sales growth and timely order fulfillment. This role balances risk management with business objectives through established credit policies and credit insurance requirements while fostering positive customer relationships.

Responsibilities:

• Conduct thorough credit research on applicants through reading and interpreting risk factors from mercantile reports, verify submitted information to identify and minimize potential risks.
• Evaluate creditworthiness and establish appropriate credit limits based on project size, payment history, financial stability and overall risk factors.
• Coordinate with the credit insurance provider regarding customer coverage, limit requests, increases, reductions and cancellations.
• Review and maintain customer credit limits in accordance with credit insurer approvals and established company credit policies.
• Maintain accurate documentation of credit reviews, decisions, account updates, job information and other supporting information
• Verify project information provided by contractors to support the preservation of lien and bond rights
• Monitor and manage the credit hold queue by reviewing account status, identifying outstanding issues and coordinating resolutions to facilitate timely order releases.
• Collaborate with internal team and customers to address credit concerns, obtain account updates and resolve outstanding issues.
• Make timely, informed decisions regarding credit approvals, credit limit adjustments, credit extensions and order releases from credit hold.
• Identify uninsured or underinsured credit exposure and communicate potential risks to the AR Manager
• Coordinate customer setup and vendor registration requirements, including the completion of customer specific forms
• Various duties, as assigned by AR Manager

Minimum Qualifications:

• 2-year college degree; or equivalent work experience required
• Strong communication skills both verbal and written
• Ability to handle sensitive customer interactions with professionalism
• Working knowledge of basic accounting principles
• Remain focused and on task in a fast-paced environment
• Possess problem-solving and analytical abilities
• Manage time effectively and adapt quickly to changing priorities

• Experience with financial software systems such as IFS, Nuvo and Billtrust a plus

Travel Required:

No.

Qualifications / Skills Preferred

• Vendor Management Intermediate
• Troubleshooting Advanced
• Teamwork Advanced
• Organizational Skills Intermediate
• MS Office Software Intermediate
• Effective Communication Advanced
• Computer skills Advanced

Behaviors Preferred

• Innovative: Consistently introduces new ideas and demonstrates original thinking
• Team Player: Works well as a member of a group
• Enthusiastic: Shows intense and eager enjoyment and interest
• Detail Oriented: Capable of carrying out a given task with all details necessary to get the task done well
• Adaptable: Adjusts to changes such as new procedures or technology with ease and enthusiasm

Motivations Preferred

• Work-Life Balance: Inspired to perform well by having ample time to pursue work and interests outside of work
• Self-Starter: Inspired to perform without outside help
• Goal Completion: Inspired to perform well by the completion of tasks
• Financial: Inspired to perform well by monetary reimbursement

Skills

• Vendor Management (preferred)
• Troubleshooting (preferred)
• Teamwork (preferred)
• Organizational Skills (preferred)
• MS Office Software (preferred)
• Effective Communication (preferred)
• Computer skills (preferred)

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

This employer is required to notify all applicants of their rights pursuant to federal employment laws.

For further information, please review the Know Your Rights notice from the Department of Labor.