Senior Credit and Collections Analyst

Quad/Graphics; Sussex (WI); On-site; USD 70,000 - 100,000; Full time

Job summary

Quad/Graphics is seeking a Senior Credit Analyst to administer credit and collection policies, assess credit worthiness, and recommend limits. You will manage a portfolio, monitor exposure and risk, and support internal business units with credit decisions.

The role requires at least 5 years in a commercial B2B credit environment, strong financial analysis, and effective communication. Office-based position with potential for special projects as needed.

Qualifications

• BS degree in Accounting/Finance or business field preferred but not required.
• Minimum of 5 years of experience in a commercial B2B credit and collections environment.
• CBA/CBF NACM credentials preferred but not required.
• CCRA NAM Certified Credit Risk Analyst preferred but not required.
• Proficient in Microsoft Office and other productivity software tools.
• Strong verbal and written communication skills.
• Excellent research and financial analysis capabilities.
• Solid negotiation skills.

Responsibilities

• Assess customer credit worthiness and authorize credit limits based on underwriting and research.
• Monitor changes in economic, industry, and customer conditions affecting credit worthiness and limits.
• Elevate visibility of customers with increased exposure via reporting and dashboards.
• Maintain documentation and transparency to support credit decisions and limits.
• Recommend best practices and process improvements.
• Manage portfolio for collection, deduction management and risk analysis.
• Provide internal and external customer service.
• Take on additional projects as needed.

Skills

MS Office

Financial analysis

Verbal communication

Written communication

Negotiation

Adaptable

Credit risk management

Education

BS in Accounting/Finance

Job description

Senior Credit Analyst is responsible for administering and enforcing company credit and collection policies and procedures, assessing credit worthiness and recommending credit limits. Management of portfolio to include collections and ongoing monitoring and financial analysis of existing customers for changes to exposure and risk tolerance. Additional responsibilities to be assigned either on a project level or ongoing responsibilities (example would be a unique subsidiary beyond print, financial/industry analysis or management of higher risk portfolio).

• Assess customer credit worthiness and authorize customer credit limits based on basic underwriting along with company and industry research within approved levels while recommending authorization for limits above their approval level.
• Monitor changes in economic, industry, and customer conditions and maintain communication with various business units to evaluate potential changes to customers' credit worthiness (risk tolerance) and credit limits.
• Elevate visibility of customers with significantly increased exposure and/or risk through management reporting and utilization of credit dashboard and exception process.
• Maintain appropriate documentation and transparency to support basis and rationale for customer credit decisions and limits.
• Recommend best practices and process improvement where appropriate.
• Management of portfolio for collection, deduction management and proactive risk analysis.
• Customer service – internal and external
• Additional projects to be assigned short or long-term dependent on need.

Education

• BS degree in Accounting/Finance or business field preferred but not required.

Experience

• Minimum of 5 years of experience in a commercial B2B credit and collections environment

Certificates, Licenses, Registrations

• CBA, CBF – NACM Credit Business Associate (preferred but not required)
• CCRA – NAM Certified Credit Risk Analyst (preferred but not required)

Knowledge, Skills & Abilities

• Proficient in Microsoft Office and other productivity software tools
• Strong verbal and written communication skills
• Excellent research and financial analysis capabilities
• Solid negotiation skills
• Must be adaptable to a changing environment
• Solid collections skills
• Business Acumen (Economics, Accounting)

Physical Demand Requirements

• Manual Dexterity: Work requires definite skilled and accurate physical operations requiring some closely coordinated performance.
• Physical Effort: Work requires handling light weight materials or equipment with no special speed or exertion.
• Working Conditions: Ordinary office, shop, field, or warehouse working conditions with some slightly disagreeable features.
• Hazards: Negligible. Little or no exposure to hazards.