Credit Risk Analyst — Drive Growth & Risk Decisions

beaconhill; Raleigh (NC); On-site; USD 60,000 - 90,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Paid time off

Job summary

Beacon Hill is seeking a Credit Analyst to join its Raleigh area accounting and finance team. The role focuses on evaluating customer creditworthiness, establishing limits, and balancing sales growth with risk management.

This position offers an opportunity to work with cross-functional teams to support sound business decisions and drive credit strategy. The ideal candidate has 2+ years in credit analysis or related finance roles, with strong Excel skills and experience in ERP systems.

Qualifications

• Associate's or Bachelor's degree in Accounting, Finance, Business, or a related field preferred.
• 2+ years of experience in credit analysis, credit and collections, accounts receivable, or a related financial role.
• Experience reviewing financial statements, credit reports, and customer payment history.
• Strong understanding of credit risk, accounts receivable, and basic accounting principles.
• Proficiency in Microsoft Excel and experience working within ERP or accounting systems.
• Strong analytical and problem-solving skills with the ability to identify financial risks and trends.
• Excellent verbal and written communication skills.
• Strong attention to detail and organizational skills.
• Ability to manage multiple priorities and make sound decisions in a fast-paced environment.
• Professional, proactive, and collaborative approach to working with customers and internal business partners.]

Responsibilities

• Reviewing and analyzing credit applications, financial statements, credit reports, payment history, and other financial information.
• Evaluating customer creditworthiness and making recommendations regarding credit limits and payment terms.
• Establishing and maintaining customer credit files and ensuring documentation is accurate and current.
• Monitoring existing customer accounts for changes in payment trends, exposure, and overall credit risk.
• Performing periodic credit reviews and recommending adjustments to credit limits when appropriate.
• Partnering with sales, collections, customer service, and accounting teams to resolve credit-related issues.
• Investigating credit concerns and identifying potential risks before they impact the business.
• Reviewing aging reports, account balances, and credit exposure to identify accounts requiring additional attention.
• Communicating professionally with customers regarding credit documentation, account status, and financial information.
• Assisting with reporting, account reconciliations, and other credit and accounts receivable activities as needed.

Skills

Credit analysis

Financial statement review

Excel proficiency

Analytical thinking

Communication skills

Attention to detail

Education

Associate or Bachelor's degree in Accounting/Finance

Tools

ERP systems

Job description

Beacon Hill is seeking a Credit Analyst to join its Raleigh area accounting and finance team. The role focuses on evaluating customer creditworthiness, establishing limits, and balancing sales growth with risk management.

This position offers an opportunity to work with cross-functional teams to support sound business decisions and drive credit strategy. The ideal candidate has 2+ years in credit analysis or related finance roles, with strong Excel skills and experience in ERP systems.