Senior Credit Analyst
AWC, Inc.
An application made for this job — a tailored resume and cover letter that speak straight to the posting.
Benefits offered by this job
Job summary
AWC, Inc. is seeking a Senior Credit Analyst to evaluate customer creditworthiness, manage credit risk, and establish appropriate credit limits in support of profitable growth.
You will partner with Sales, Operations, and Finance to balance customer service with prudent risk management while protecting company assets. The ideal candidate has strong financial analysis skills and business judgment to align credit decisions with AWC's employee-owner culture and financial objectives.
Qualifications
- Bachelor's degree or higher in Finance, Accounting, Business Administration, Economics or related field.
- Minimum 5+ years of progressive commercial/corporate credit analysis experience.
- Strong understanding of financial statement analysis and credit risk evaluation.
Responsibilities
- Analyze customer financial statements, credit reports, payment histories, and industry trends to determine credit exposure.
- Establish initial credit limits for new customers and adjust existing limits as needed.
- Monitor portfolio risk, aging reports, and debt performance; recommend mitigation strategies.
- Prepare comprehensive credit recommendations for management approval and cross-functional collaboration.
- Support collections and sales teams to optimize cash flow while protecting company assets.
Skills
Education
Tools
Job description
AWC is seeking a highly analytical and business-minded Senior Credit Analyst to join our finance team. This role is responsible for evaluating customer creditworthiness, managing credit risk, establishing appropriate credit limits, and partnering with our Sales and Operations teams to support profitable business growth while protecting company assets. Our team of co-owners values enthusiasm, creativity, and a growth mindset, and we’re committed to putting those qualities to work on solutions that matter. If you’re ready to grow and make an impact, we’d love to be on your team.
The ideal candidate will possess strong financial analysis skills, sound business judgment, and the ability to balance customer service with prudent risk management. This individual will play a key role in supporting AWC's continued growth by ensuring credit decisions align with the company's financial objectives and employee-owner culture.
- Analyze customer financial statements, credit reports, payment histories, and industry trends to determine appropriate credit exposure
- Evaluate new customer credit applications and establish initial credit limits.
- Review and adjust existing customer credit limits based on financial performance, payment behavior, and changing market conditions
- Assess overall portfolio risk and recommend strategies to minimize bad debt exposure.
- Monitor customers for deteriorating financial conditions and proactively recommend risk mitigation strategies
- Perform detailed analysis of: Balance Sheets; Income Statements; Cash Flow Statements; Working Capital; Liquidity Ratios; Debt Structure
- Interpret financial data to identify strengths, weaknesses, and potential credit risks
- Prepare comprehensive credit recommendations for management approval
- Monitor customer credit exposure across multiple business units
- Review aging reports and identify high-risk accounts
- Partner with Collections to resolve payment issues while maintaining positive customer relationships
- Recommend holds, release of orders, payment plans, or revised credit terms when appropriate
- Assist in reducing Days Sales Outstanding (DSO) while supporting revenue growth
- Partner closely with: Sales; Operations; Customer Service; Accounting; Executive Leadership
- Provide guidance to sales teams regarding customer credit decisions
- Balance customer service objectives with sound financial risk management
- Support strategic account opportunities by evaluating financial risk and recommending appropriate credit structures.
- Assist in developing and improving credit policies, procedures, and internal controls
- Ensure compliance with company credit policies and applicable financial regulations
- Recommend process improvements that increase efficiency and reduce financial risk
- Participate in system enhancements related to credit management and reporting
- Prepare periodic reports on: Credit exposure; Portfolio performance; Customer risk trends; Bad debt reserves; Credit limit utilization
- Present findings and recommendations to Finance leadership
- Develop meaningful KPIs to monitor portfolio health and credit performance
- Bachelor's Degree in: (Finance, Accounting, Business Administration, Economics or Related Business Discipline)
- 5+ years of progressive experience in commercial credit analysis or corporate credit.
- Strong understanding of financial statement analysis
- Experience evaluating commercial credit risk
- Advanced Microsoft Excel skills
- Experience utilizing ERP systems and credit reporting services
- Excellent written and verbal communication skills
- Strong analytical and problem-solving abilities
- Experience in ERP conversion
- Strong attention to detail and precision to ensure optimal control valve performance
- Exceptional problem-solving skills, enabling effective selection of corrective actions
- Proficient in interpreting schematics, drawings, and procedural instructions
- Clear and effective communication skills, both verbal and written
- Collaborative team player with the flexibility to work in various settings
- Adaptability to work both in a shop environment and at customer-owned facilities
- Employee Stock Ownership Plan (ESOP)
- Competitive Pay
- Medical, Dental and Vision Insurance Package
- Employer Paid Life Insurance
- Paid Time Off and Holiday Pay
As employee co-owners, we’re driven to do more than complete tasks; we build fulfilling careers by challenging assumptions and continually raising the bar. We embrace creative, innovative approaches to deepen our expertise and deliver real value to our customers.
We partner strategically with many of the world’s most recognized technology brands to help engineering, reliability, and maintenance teams solve complex problems. As experts in our partners’ technologies, we’re equipped to properly size, select, configure, and support the right solutions. Our goal is simple: combine caring, knowledgeable people with innovative technologies to help our customers succeed.
We are committed to solving customer problems and welcome team members that want to be the trusted resource to those looking for a partner who out-knows, out-cares, and out-serves everyone else. Every day, we strive to deliver on our mission to empower people to make the greatest positive impact for the communities and families we serve together. Our Winning Together culture starts with a shared commitment to building an environment of inclusiveness, trust, and mutual respect. We know that when people like you are safe to pursue your passions, to learn, to serve, and to share in the rewards from our combined efforts, then we are winning together.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.
AWC is seeking a highly analytical and business-minded Senior Credit Analyst to join our finance team. This role is responsible for evaluating customer creditworthiness, managing credit risk, establishing appropriate credit limits, and partnering with our Sales and Operations teams to support profitable business growth while protecting company assets. Our team of co-owners values enthusiasm, creativity, and a growth mindset, and we’re committed to putting those qualities to work on solutions that matter. If you’re ready to grow and make an impact, we’d love to be on your team.
The ideal candidate will possess strong financial analysis skills, sound business judgment, and the ability to balance customer service with prudent risk management. This individual will play a key role in supporting AWC's continued growth by ensuring credit decisions align with the company's financial objectives and employee-owner culture.
- Analyze customer financial statements, credit reports, payment histories, and industry trends to determine appropriate credit exposure
- Evaluate new customer credit applications and establish initial credit limits.
- Review and adjust existing customer credit limits based on financial performance, payment behavior, and changing market conditions
- Assess overall portfolio risk and recommend strategies to minimize bad debt exposure.
- Monitor customers for deteriorating financial conditions and proactively recommend risk mitigation strategies
- Perform detailed analysis of: Balance Sheets; Income Statements; Cash Flow Statements; Working Capital; Liquidity Ratios; Debt Structure
- Interpret financial data to identify strengths, weaknesses, and potential credit risks
- Prepare comprehensive credit recommendations for management approval
- Monitor customer credit exposure across multiple business units
- Review aging reports and identify high-risk accounts
- Partner with Collections to resolve payment issues while maintaining positive customer relationships
- Recommend holds, release of orders, payment plans, or revised credit terms when appropriate
- Assist in reducing Days Sales Outstanding (DSO) while supporting revenue growth
- Partner closely with: Sales; Operations; Customer Service; Accounting; Executive Leadership
- Provide guidance to sales teams regarding customer credit decisions
- Balance customer service objectives with sound financial risk management
- Support strategic account opportunities by evaluating financial risk and recommending appropriate credit structures.
- Assist in developing and improving credit policies, procedures, and internal controls
- Ensure compliance with company credit policies and applicable financial regulations
- Recommend process improvements that increase efficiency and reduce financial risk
- Participate in system enhancements related to credit management and reporting
- Prepare periodic reports on: Credit exposure; Portfolio performance; Customer risk trends; Bad debt reserves; Credit limit utilization
- Present findings and recommendations to Finance leadership
- Develop meaningful KPIs to monitor portfolio health and credit performance
- Bachelor's Degree in: (Finance, Accounting, Business Administration, Economics or Related Business Discipline)
- 5+ years of progressive experience in commercial credit analysis or corporate credit.
- Strong understanding of financial statement analysis
- Experience evaluating commercial credit risk
- Advanced Microsoft Excel skills
- Experience utilizing ERP systems and credit reporting services
- Excellent written and verbal communication skills
- Strong analytical and problem-solving abilities
- Experience in ERP conversion
- Strong attention to detail and precision to ensure optimal control valve performance
- Exceptional problem-solving skills, enabling effective selection of corrective actions
- Proficient in interpreting schematics, drawings, and procedural instructions
- Clear and effective communication skills, both verbal and written
- Collaborative team player with the flexibility to work in various settings
- Adaptability to work both in a shop environment and at customer-owned facilities
- Employee Stock Ownership Plan (ESOP)
- 401(K) Match
- Competitive Pay
- Medical, Dental and Vision Insurance Package
- Employer Paid Life Insurance
- Paid Time Off and Holiday Pay
- Career Development Opportunities
As employee co-owners, we’re driven to do more than complete tasks; we build fulfilling careers by challenging assumptions and continually raising the bar. We embrace creative, innovative approaches to deepen our expertise and deliver real value to our customers.
We partner strategically with many of the world’s most recognized technology brands to help engineering, reliability, and maintenance teams solve complex problems. As experts in our partners’ technologies, we’re equipped to properly size, select, configure, and support the right solutions. Our goal is simple: combine caring, knowledgeable people with innovative technologies to help our customers succeed.
We are committed to solving customer problems and welcome team members that want to be the trusted resource to those looking for a partner who out-knows, out-cares, and out-serves everyone else. Every day, we strive to deliver on our mission to empower people to make the greatest positive impact for the communities and families we serve together. Our Winning Together culture starts with a shared commitment to building an environment of inclusiveness, trust, and mutual respect. We know that when people like you are safe to pursue your passions, to learn, to serve, and to share in the rewards from our combined efforts, then we are winning together.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.
'/%3e%3cpath%20d='M101.744%2012.4726L102.894%2016.1947L99.0021%2013.2201L101.744%2012.4726ZM105.3%208.40937H100.488L99.0026%203.59473L97.5116%208.41047L92.7%208.40385L96.5965%2011.3834L95.1055%2016.1942L99.0021%2013.2196L101.408%2011.3834L105.3%208.40992V8.40937Z'%20fill='white'/%3e%3cdefs%3e%3clinearGradient%20id='paint0_linear_5593_1381'%20x1='90'%20y1='9.44471'%20x2='99'%20y2='9.44471'%20gradientUnits='userSpaceOnUse'%3e%3cstop%20stop-color='%2300AD70'/%3e%3cstop%20offset='0.998594'%20stop-color='%2300B67A'/%3e%3cstop%20offset='1'%20stop-color='%23DCDCE6'/%3e%3c/linearGradient%3e%3c/defs%3e%3c/svg%3e){kind=small}
