Senior Credit Analyst

ISI Design and Installation Solutions, INC.; Plano (TX); Hybrid; USD 85,000 - 115,000; Full time

Benefits offered by this job

Medical coverage

Dental coverage

Vision coverage

401(k) with match

Disability insurance

Life insurance

Flexible time off

Paid holidays

Pet insurance

Job summary

Interior Logic Group in Plano, TX, seeks a Senior Credit Analyst to assess credit risk, underwrite new and existing customers, and manage collections with cross-functional teams. The role requires collaboration with finance and operations to maintain cash flow and minimize default risk.

The candidate should have 5+ years in credit analysis, strong financial acumen, and a bachelor’s degree in a related field.

Qualifications

• 5+ years of experience as a Credit Analyst or in a similar financial analysis role.
• Strong knowledge of financial analysis techniques, credit risk assessment, and credit underwriting principles.
• Bachelor’s degree in Finance, Accounting, Economics, or a related field preferred.

Responsibilities

• Conduct thorough credit underwriting for new and existing customers by evaluating credit information from banks, trade creditors, and credit reports to ensure appropriate credit limits.
• Maintain regular contact with customers to ensure accounts receivable remains current and resolve past-due amounts.
• Support delinquency resolution by recommending corrective actions to bring accounts up to date.
• Monitor lien rights and provide reporting on past-due amounts with expiring lien rights and process lien releases as needed.
• Collaborate with team members and mentor less experienced Credit Analysts to drive performance.

Skills

Credit underwriting

Credit risk assessment

Financial analysis

Credit bureau reports

Communication skills

Education

Bachelor’s degree in Finance/Accounting/Economics

Tools

Financial analysis software

Job description

Looking to build your career and design your future? You have come to the right place. Summary The Senior Credit Analyst plays a critical role in the financial and risk assessment of customer credit applications and ongoing customer relationships. This role communicates regularly with the business and customers to ensure accurate account statements and timely collections of amounts due to the Company. Additionally, the Senior Credit Analyst works with less experienced Credit Analysts to ensure positive performance for the Credit and Collections team.

Essential Functions

Credit Risk Assessment & Underwriting

• Conduct thorough credit underwriting for new and existing customers by evaluating credit information from banks, trade creditors, and credit reports to ensure appropriate credit limits.
• Analyze financial data and creditworthiness to support informed credit decisions.

Collections & Account Management

• Maintain regular contact with customers to ensure accounts receivable remains current.
• Address any past-due amounts promptly, working with customers to achieve quick resolution.
• Process, follow up, and resolve inbound collection and customer service telephone inquiries in a timely manner.
• Maintain comprehensive tracking and documentation of all customer interactions.

Delinquency Resolution & Escalation

• Act decisively by making timely recommendations to the Manager of Credit & Collections.
• Propose efficient and effective corrective actions to resolve delinquency, bring accounts up to date, or take necessary steps to ensure satisfactory resolution.

Lien Rights & Compliance

• Monitor lien rights and provide necessary reporting to the business regarding past-due amounts with expiring lien rights.
• Process lien releases as needed to maintain compliance.

Collaboration & Relationship Management

• Work in a team-oriented environment that requires communicating positively and professionally with fellow employees, customers, and vendors.
• Establish and maintain positive working relationships.
• Support and mentor less experienced Credit Analysts to drive team performance.

Education & Experience Required

• 5+ years of experience as a Credit Analyst or in a similar financial analysis role.
• Strong knowledge of financial analysis techniques, credit risk assessment, and credit underwriting principles.
• Preferred Bachelor’s degree in Finance, Accounting, Economics, or a related field.

Skills & Competencies

Financial & Analytical Expertise

• Familiarity with credit bureau reports and credit scoring models.
• Proficiency in using financial analysis software and tools.
• Excellent analytical skills with a keen attention to detail.

Communication & Relationship Management

• Strong written and verbal communication skills, with the ability to present complex financial information in a clear and concise manner.
• Ability to work independently and collaborate effectively with cross-functional teams.

Compliance & Business Acumen

• Knowledge of relevant financial regulations and compliance requirements.
• Sound judgment and decision-making capabilities related to credit risk.

Benefits

Check out some of our top benefits we have to offer:

• Medical, dental, and vision coverage, including multiple plan options to fit your needs, covering both physical and mental health 401(k) with company match, short- and long-term disability, life insurance, and access to a Flexible time off, 8 paid holidays, and additional leave benefits so you can recharge, rest, and focus on what matters most.
• Access to supplementary optional benefits, including a company-sponsored weight loss management program and pet insurance.

At our company, we believe in supporting your health, your goals, and your future. That’s why we offer a comprehensive benefits package designed with flexibility and well-being in mind:

Company Culture

People choose to build your careers at ILG because of our passionate team, company culture, flexible work options, and growth opportunities. We invest in our workforce to help them achieve great things both personally and professionally, offering wide-reaching benefits from healthcare support to financial well-being.

With over 200 locations throughout the United States, including 100+ Design Studios, there are opportunities

For more information about Interior Logic Group, visit www.interiorlogicgroup.com.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, disability, veteran status, gender identity or national origin.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, individual with disabilities, veteran status, gender identity or national origin.

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