Credit Specialist

Western International Gas & Cylinders, Inc.; Irving (TX); On-site; USD 33,000 - 34,000; Full time

Job summary

Western International Gas & Cylinders, Inc. is seeking a Credit Specialist to monitor and analyze financial data from independent and third-party sources. You will interpret statements and provide opinions to support credit decisions within pre-set guidelines.

You will review applications, create ERP records, analyze Dun & Bradstreet reports, and compile credit packages for management, while keeping customer accounts accurate and up to date.

Qualifications

• Review credit applications and perform credit investigations to grant limits.
• Create new customers in ERP and maintain accurate account records.
• Analyze Dun & Bradstreet credit reports to assess payment trends.
• Prepare complete credit packages for management approvals.
• Monitor and communicate overdue accounts and holds.

Responsibilities

• Review credit applications and set limits based on thresholds.
• Build and maintain dashboards for credit approvals.
• Release holds and manage delinquency root causes.
• Answer customer and field questions about account status.
• Perform weekly reporting of holds and releases to Manager.
• Light collections to resolve credit issues.

Skills

Analytical skills

Attention to detail

Credit limit decisions

Customer service

Tools

ERP system

Dun & Bradstreet reports

Databases

Job description

CREDIT SPECIALIST

The Credit Specialist will monitor, interpret, and analyze independent and third-party financial data. The Credit Specialists will be able to accurately interpret the financial statement data and provide an opinion supporting, recommending, and approving appropriate credit limit decisions based on the business’ pre-existing guidelines. This role requires analytical skills, attention to detail, and knowledge of financial statement analysis. This expertise will help the team make informed decisions regarding credit approvals and customer credit limits.

Essential Functions

• Ability to review credit applications and complete credit investigations to grant credit and establish limits based on thresholds
• Create new customers in ERP
• Perform analysis of Dun & Bradstreet credit report profiles to analyst payment trends and overall business viability
• Prepare and present complete credit packages for management
• Ensure accurate customer account records by updating customers file with limit changes, terms and all related collection fields
• Complete annual account reviews and limit increases/decreases
• Monitor changes in financial reporting from Dun & Bradstreet
• Build and maintain spreadsheets and dashboard for credit approval tracking and other projects
• Responsible for reviewing and release holds due to credit limits and overdue amounts
• Identify and communicate root cause for delinquency
• Complete weekly reporting for holds and releases to Manager
• Light collections to resolve credit releases
• Answer customer and field questions regarding account status
• Responsible for inactive customer base documentation and escalation for outside collections
• Communicate professionally and effectively
• Data entry
• Ability to navigate and use multiple databases
• Maintain active follow up on files/pipeline
• Performs other duties as assigned
• Comply with all policies and standards

PHYSICAL DEMANDS/WORKING CONDITIONS

• Stationary Position - Constantly
• Move/Traverse - Frequently
• Stationary Position/Seated - Constantly
• Transport/Lifting
• Transport/Carrying - Rarely
• Exerting Force/Pushing - Rarely
• Exerting Force/Pulling - Rarely
• Ascend/Descend - Rarely
• Balancing - Rarely
• Position Self/Stooping - Rarely
• Position Self/Kneeling - Rarely
• Position Self/Crouching - Rarely
• Position Self/Crawling - Rarely
• Reaching - Rarely
• Handling - Rarely
• Grasping - Rarely
• Feeling - Rarely
• Communicate/Talking - Constantly
• Communicate/Hearing - Constantly
• Repetitive Motions - Constantly
• Coordination - Rarely

pay rate $24.00 to $25.00 per hour

The Company is an Equal Opportunity Employer that complies with the laws and regulations set forth under EEOC. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status. EOE AA M/F/VET/Disability