Credit Risk & Collections Analyst - Hybrid

Watsco; Deerfield Beach (FL); Hybrid; USD 60,000 - 85,000; Full time

Benefits offered by this job

Hybrid schedule

Job summary

Watsco in Florida is hiring a Credit Analyst to assess creditworthiness and manage accounts receivable in a hybrid work setting. The role partners with Sales, Customer Service, and Finance to approve credit terms and minimize bad debt while supporting revenue growth.

Responsibilities include reviewing financials, communicating credit decisions, and resolving disputes. The position requires 2–5 years in credit/collections and strong Excel/ERP skills. Hybrid schedule with office presence required.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or related field preferred or 2-5 years of experience in credit, collections, accounts receivable, or financial analysis
• Strong understanding of credit risk assessment and collection practices
• Proficiency in Microsoft Excel, including pivot tables, VLOOKUP/XLOOKUP, and reporting tools

Responsibilities

• Analyze and approve customer credit applications within assigned authority limits
• Review financial statements, credit reports, trade references, and payment history to assess risk
• Establish, modify, or recommend customer credit limits and payment terms
• Monitor customer accounts for changes in financial condition and payment performance
• Manage a portfolio of customer accounts to ensure timely collection of outstanding receivables
• Contact customers regarding overdue invoices through phone, email, and written correspondence
• Negotiate payment arrangements while maintaining positive customer relationships
• Investigate and resolve billing, pricing, deduction, and payment disputes
• Monitor aging reports and prioritize collection efforts on high-risk accounts
• Coordinate account escalations, holds, and release decisions in accordance with company policy
• Maintain accurate account notes and collection activities within ERP or CRM systems
• Prepare reporting on aging, collections performance, bad debt exposure, and credit risk
• Assist with monthly reserve analysis and write-off recommendations
• Support cash application teams in resolving unapplied or disputed payments
• Partner with Sales teams to balance customer growth opportunities with acceptable risk levels
• Work with Customer Service and Operations to resolve order, delivery, and invoice issues impacting collections
• Communicate credit decisions and account status updates to internal stakeholders
• Support process improvement initiatives focused on reducing DSO and improving cash flow
• Other duties as assigned.

Skills

Credit risk

Negotiation

Analytical skills

Excel

Communication

Education

Bachelor's degree in Finance/Accounting/Business

Tools

ERP systems

CRM software

Job description

Watsco in Florida is hiring a Credit Analyst to assess creditworthiness and manage accounts receivable in a hybrid work setting. The role partners with Sales, Customer Service, and Finance to approve credit terms and minimize bad debt while supporting revenue growth.

Responsibilities include reviewing financials, communicating credit decisions, and resolving disputes. The position requires 2–5 years in credit/collections and strong Excel/ERP skills. Hybrid schedule with office presence required.