Credit & Risk Analyst - Remote Eligible

Rippling, Inc.; Memphis (TN); Remote; USD 42,000 - 68,000; Full time

Job summary

Fleet Equipment, LLC is seeking a Credit Specialist to evaluate creditworthiness and manage accounts receivable. You will review credit applications, analyze reports, establish credit limits, and monitor accounts for risk while supporting collections and policy development.

The role emphasizes collaboration with Sales, Accounting, and Legal teams; remote work is possible outside Memphis, TN. Strong Excel and ERP experience are required to manage credit processes effectively.

Qualifications

• 2–5 years of experience in credit, accounts receivable, and collections.
• Experience evaluating commercial credit applications, preferably in trucking, transportation, or fleet industry.

Responsibilities

• Review and evaluate new customer credit applications.
• Analyze credit reports, trade references, and payment histories.
• Establish and recommend credit limits based on risk and company guidelines.
• Maintain accurate credit files and supporting documentation.
• Perform periodic reviews of existing customer accounts and credit limits.
• Monitor customer payment trends and account activity.
• Identify high-risk accounts and recommend appropriate action.
• Review aging reports and assess potential collection risks.
• Track credit exposure and ensure compliance with policies.
• Assist with collection efforts on past-due accounts.
• Communicate with customers regarding payment discrepancies and balances.
• Resolve billing, credit, and payment issues in collaboration with customers and internal departments.
• Maintain detailed notes and records of collection activities.
• Evaluate and mitigate credit risk to reduce potential losses.
• Recommend holds, release of orders, or revised terms when necessary.
• Monitor bankruptcy filings, liens, and other indicators of distress.
• Support efforts to improve DSO and cash flow.
• Prepare credit and collection reports for management.
• Work closely with Sales, Accounting, and Legal departments.
• Assist in developing and maintaining credit policies and procedures.

Skills

Credit principles

Collections

Accounts receivable

Financial data analysis

Confidentiality

Time management

Communication

Attention to detail

Problem solving

Remote work ability

Education

Associate's degree in Accounting, Finance, or related field

Bachelor's degree preferred

Tools

Microsoft Excel

ERP systems (Karmak a plus)

Job description

Fleet Equipment, LLC is seeking a Credit Specialist to evaluate creditworthiness and manage accounts receivable. You will review credit applications, analyze reports, establish credit limits, and monitor accounts for risk while supporting collections and policy development.

The role emphasizes collaboration with Sales, Accounting, and Legal teams; remote work is possible outside Memphis, TN. Strong Excel and ERP experience are required to manage credit processes effectively.