Credit Specialist

Careerscape; Los Angeles (CA); Hybrid; USD 68,000 - 85,000; Full time

Benefits offered by this job

Health insurance

401k match

Paid time off

Paid holidays

Hybrid work schedule

Life and disability insurance

Health savings account

Tuition assistance

Employee assistance program

Job summary

Careerscape is recruiting on behalf of a client in the Los Angeles area for a Credit Operations Specialist to join a growing credit and risk team. The role focuses on credit reviews, account monitoring, and collections to support revenue and risk management.

You will analyze credit applications, review customer accounts, and coordinate with sales and finance to resolve billing or credit holds in a collaborative, hybrid environment.

Qualifications

• Bachelor’s degree in Finance, Accounting, or related field preferred.
• 3–5 years in credit operations, accounts receivable, or collections.
• Understanding of credit analysis and risk assessment.

Responsibilities

• Review and evaluate new and existing customer credit applications.
• Analyze financial statements and credit reports to set credit limits.
• Monitor balances and flag accounts near or over limits.
• Manage collections and negotiate payment plans.
• Maintain records of credit decisions and terms.
• Collaborate with sales and finance to resolve holds and disputes.
• Prepare aging and risk reports; suggest policy updates.
• Reconcile memos, refunds, and account adjustments.
• Support month-end close related to accounts receivable and credit.

Skills

Credit analysis

Analytical thinking

Excel proficiency

Communication skills

Education

Bachelor's degree in Finance/Accounting

Job description

Careerscape is recruiting on behalf of our client, a well-established financial services firm in the Los Angeles area, for a Credit Operations Specialist to join their growing credit and risk team. This is a great opportunity for a detail-oriented finance professional to take ownership of credit review, account monitoring, and collections processes that directly support the company's revenue and risk management goals.

Day to day, you will move between analyzing credit applications, reviewing customer accounts, and coordinating with sales and finance teams to resolve billing or credit holds. The role suits someone who is comfortable working with numbers and policy at the same time, enjoys problem solving under moderate ambiguity, and can communicate credit decisions clearly to both internal stakeholders and external customers. Success in this hybrid position depends on strong organizational habits, sound judgment, and a collaborative approach to cross-functional work.

COMPENSATION

The salary range for this role is $68,000 - $85,000 per year, based on experience and qualifications.

Additional compensation and benefits details will be shared during the hiring process.

Responsibilities

• Review and evaluate new and existing customer credit applications
• Analyze financial statements and credit reports to determine appropriate credit limits
• Monitor customer account balances and flag accounts approaching or exceeding credit limits
• Manage collections activities for past-due accounts and negotiate payment arrangements
• Maintain accurate records of credit decisions, terms, and account adjustments
• Partner with sales and customer service teams to resolve credit holds and billing disputes
• Prepare regular reports on aging, delinquency, and credit risk exposure
• Recommend updates to credit policies and procedures based on portfolio trends
• Reconcile credit memos, refunds, and account adjustments
• Support month-end close activities related to accounts receivable and credit

Requirements

• Bachelor's degree in Finance, Accounting, Business, or related field preferred
• 3-5 years of experience in credit operations, accounts receivable, or collections
• Working knowledge of credit analysis principles and risk assessment methods
• Proficiency with ERP and accounting systems along with advanced Excel skills
• Strong written and verbal communication skills for customer and internal negotiations
• High attention to detail and comfort managing multiple accounts simultaneously
• Ability to interpret financial statements and credit bureau reports
• Experience with collections software or CRM platforms is a plus
• Sound judgment and discretion when handling sensitive financial information
• Medical, dental, and vision insurance
• 401k plan with employer match
• Paid time off and paid holidays
• Hybrid work schedule with flexible hours
• Life and disability insurance options
• Health savings and flexible spending accounts
• Professional development and tuition assistance
• Employee assistance programCasual and collaborative office environment
• Opportunities for internal advancement

EQUAL OPPORTUNITY STATEMENT

Careerscape and its hiring partners are equal opportunity employers. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, sexual orientation, national origin, disability, protected veteran status, or any other status protected by applicable law.