Senior Credit Representative

Eastern Metal Supply; Lake Worth (TX); On-site; USD 60,000 - 80,000; Full time

Job summary

EASTERN METAL SUPPLY in Lake Worth, TX is seeking a Senior Credit Representative to manage high‑volume accounts, perform credit analysis, and keep A/R credit files current. You will collaborate with the credit manager and supervisor to ensure accurate credit decisions and timely releases.

The role requires strong analytical ability, experience in collections, and excellent communication with sales and customers.

Qualifications

• Bachelor’s degree in Business or related field preferred.
• Experience with credit and collection management will be considered.

Responsibilities

• Manage high volume accounts with focus on collections and credit analysis.
• Evaluate credit histories and prepare reports for credit analysts.
• Collaborate with Credit Manager and Supervisor to maintain account accuracy and credit queue releases.
• Initiate calls to past-due customers for payment.
• Maintain ageing reports and resolve open receivables.
• Provide guidance to other credit representatives as needed.
• Answer billing and invoicing discrepancies from customers.
• Conduct regular account reviews to ensure compliance and accuracy.
• Generate emails and make credit decisions on problematic accounts.
• Analyze credit histories and request credit line increases or updates as needed.

Skills

Credit management

Collections

Analytical skills

Communication

MS Office

Financial analysis

Accounts receivable

Leadership

Customer relations

Education

Bachelor’s degree in Business or related field

Credit and collection management experience considered

Job description

Position Summary

The Senior Credit Representative is responsible for managing high volume accounts and acquisition accounts, focusing on collections and credit analysis. This role involves evaluating credit histories, preparing reports for credit analysts, and ensuring timely updates to A/R credit files. The representative collaborates with credit manager and supervisor to maintain account accuracy and credit queue releases.

Essential Duties/Responsibilities

• Maintaining effective control of all assigned accounts in accordance with guidelines established in the Credit Policy
• Closely monitor cash receivables, establish credit relationships with credit- worthy companies and collect balances within established credit terms
• Communicate with inside and outside sales representatives regarding credit decisions, delinquencies, deliveries, credit holds and other information needed
• Initiate calls to customers with accounts that are past due for payment
• Manage all ageing reports, and work to resolve open receivables with assigned credit representatives
• Work closely with credit representatives to address any account-related issues and provide guidance as needed.
• Answer incoming calls from customers to resolve billing and invoicing discrepancies
• Conduct regular account reviews with Credit Manager/Supervisor to ensure compliance and accuracy
• Manage and prioritize accounts within the credit queue to facilitate timely shipping releases
• Generate email correspondence and make sound credit decisions on problematic accounts
• Analyze credit histories and submit requests for credit line increases or updates, particularly for accounts not reviewed in over a year
• Prepare and present reports related to account status, collections, and credit history updates
• Any other requests by credit manager or supervisor

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Previous experience in credit management or collections, preferably in a senior role.
• Strong analytical skills, attention to detail, and excellent communication abilities.
• Experience with credit evaluations processes, aging analysis, and credit release queues

Education

• Bachelor’s degree in Business or related field preferred
• Experience with credit and collection management will be considered

Experience/Skills/Abilities Required

• Experience in evaluating credit worthiness and understanding risk factors associated with extending credit.
• Background in developing and implementing effective collections strategies to minimize bad debt.
• Experience in reconciling accounts and resolving discrepancies efficiently.
• Familiarity with managing customer relationships and providing exceptional service, even in challenging situations.
• Proficiency in identifying issues and developing effective solutions to resolve account disputes or delays.
• Excellent organizational skills to manage multiple accounts, tasks and deadlines efficiently.
• Keen eye for detail to ensure accuracy in credit assessments and A/R accounts.
• Strong verbal and written communication skills for clear interaction with customers and team members.
• ability to adapt to changing regulations and credit and collection policies as evolving business needs
• Capability to mentor and lead other credit representatives, fostering a collaborative work environment.
• Proficiency with Microsoft Office and financial analysis tools

Work Environment/Physical Demands

Typical office environment – moderate noise level. This position regularly requires standing; walking; sitting; use hands; reaching with hands and arms; and talking and/or hearing. Occasional lifting and/or moving up to 25 pounds.

We are an equal opportunity employer, dedicated to fostering a diverse and inclusive workplace where everyone is valued and has equal access to opportunities.

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