Senior Credit Analyst

Millennium Broadband Solutions; Delavan (WI); On-site; USD 70,000 - 100,000; Full time

Benefits offered by this job

Competitive benefits

Community development time

Community service hours

Job summary

Millennium Broadband Solutions in Wisconsin seeks a Senior Credit Analyst to assess credit risk, review customer applications in NetSuite, and manage cash processing with precise documentation.

You will analyze D&B reports and financial statements, adjust credit lines, and lead delinquency reduction through targeted collections, reporting to the Credit Manager. Strong collaboration and detail orientation are essential.

Qualifications

• Bachelor's degree in Finance, Accounting, or related field preferred.
• Five or more years of experience in a credit role.
• Clear and effective communication and collaboration with stakeholders.
• Strong analytical skills for financial statements and ratio analysis.
• Attention to detail and ability to resolve complex issues.

Responsibilities

• Review new customer credit applications in NetSuite within 24 hours of receipt.
• Maintain automated credit application form and review quarterly updates with IT.
• Track weekly credit applications processed and report to the Credit Manager.
• Conduct weekly reviews of balances and unbilled orders for credit line adjustments.
• Execute collections calls and emails to reduce delinquency and resolve disputes.
• Generate and distribute monthly aging reports to the Geospatial team.

Skills

Analytical thinking

Attention to detail

Communication skills

Credit risk assessment

Collaboration

Education

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

Tools

NetSuite

D&B Reports

Job description

Join the Millennium Team as a Senior Credit Analyst!

As a Senior Credit Analyst, you will review new customer credit applications, complete account setup in NetSuite, and review Dunn & Bradstreet reports and customer financial statements to determine creditworthiness and assign credit limits. You will also evaluate credit lines on existing accounts and orders on hold for release throughout the day. You will send credit card links and charge credit cards, assist with payment processing, support the team with delinquency reduction and loss minimization through collections calls and emails with our customers, and dispute identification and management.

What You'll Do

Order Management & Cash Processing

• Review held orders daily to facilitate prompt release and shipment.
• Manage credit card transactions by sending links, charging cards, and posting payments.
• Participate in monthly cash application and lockbox reconciliation processes.
• Support various financial activities across Millennium, Millennium Leasing, and Geospatial units.

Credit Application & System Administration

• Process new customer credit applications in NetSuite within 24 hours of receipt, following department guidelines.
• Maintain the automated credit application form, review electronic applications quarterly, and liaise with IT to implement necessary updates.
• Track weekly credit applications processed and report volume directly to the Credit Manager.

Credit Reviews & Line Adjustments

• Conduct weekly reviews of customer account balances and unbilled orders to determine if credit line adjustments are required.
• Pull Dun & Bradstreet (D&B) reports, analyze payment histories, and request financial statements for formal credit reviews per company guidelines.
• Update system review dates and document all data, recommendations, and approvals in credit maintenance notes.

Collections & Delinquency Management

• Execute timely, consistent follow-ups on assigned past-due accounts to collect delinquent receivables and resolve pending disputes.
• Generate and distribute detailed weekly aging reports to the Geospatial team, providing collection support as needed.
• Maintain annual performance targets{{:}} Bad Debt under 0.25%, Accounts Receivable (AR) Days under 60 days, and accounts over 90 days past due under 5%.

Reporting, Filings & Administrative Support

• Provide monthly aging reports to external credit agencies, including Dun & Bradstreet, Cortera, and NACM.
• Assist with Uniform Commercial Code (UCC) filings and vehicle titling issues as needed.

What You Bring

• Bachelors degree in Finance, Accounting, or related field preferred.
• Five or more years of experience in a credit role.
• Clear and effective communication and collaboration skills, both written and verbal, is needed to present findings and recommendations to stakeholders.
• Strong analytical and critical thinking skills to understand financial principles, financial statement and ratio analysis, assess credit risk, and make informed decisions.
• Attention to detail and ability to identify and resolve complex issues.

Why partner with Millennium?

• Our Purpose - We create opportunities for our clients to build broadband networks connecting communities across America. But we are more than that - we offer our clients enterprise resources to plan out their builds, supplement their funding, manage their materials, and get the equipment they need to get networks up and running.
• A collaborative work environment where you can influence the overall success of the company through your efforts and expertise. The growth mode we operate in provides tremendous opportunities for your career path and personal development.

The Perks of Joining Our Team!

• Competitive Benefits Package
• Investment in your Community and Personal Development
• 4 hours of community service time per month
• 4 hours of personal development time per month