Senior Credit Analyst

Mymillennium; Town of Delavan (WI); On-site; USD 70,000 - 100,000; Full time

Benefits offered by this job

Competitive Benefits Package

4 hours of community service per month

4 hours of personal development time月

Job summary

Millennium is seeking a Senior Credit Analyst to review new customer credit applications, complete account setup in NetSuite, and assess creditworthiness using Dun & Bradstreet reports and financial statements. You will manage credit lines on existing accounts, handle hold releases, and support collections and payment processing to minimize losses.

You will document analyses in credit maintenance notes, track weekly volumes, and report to the Credit Manager.

Qualifications

• Bachelor's degree in Finance, Accounting, or related field preferred.
• Five or more years of experience in a credit role.
• Clear and effective written and verbal communication with stakeholders.
• Strong analytical and critical thinking to assess credit risk and financial statements.
• Attention to detail and ability to resolve complex issues.

Responsibilities

• Review new customer credit applications in NetSuite within 24 hours of receipt.
• Review Dun & Bradstreet reports and customer financial statements to determine creditworthiness.
• Manage credit card links, charge cards, and posting payments.
• Conduct weekly reviews of customer balances and unbilled orders for credit line adjustments.
• Support delinquency reduction and loss minimization through collections.

Skills

Credit analysis

Financial statement analysis

Communication skills

Attention to detail

Analytical thinking

Education

Bachelor's degree in Finance or Accounting

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