Senior Credit Risk Analyst, Chemicals - Hybrid Houston

Primary Services; Houston (TX); Hybrid; USD 90,000 - 130,000; Full time

Job summary

Primary Services in Houston, TX, is seeking a Senior Credit Risk Analyst to manage end-to-end credit-to-cash processes. You will assess customer financials, set risk ratings, and oversee SAP cash applications and reconciliations in a global, cross-functional environment.

The role emphasizes collaboration with Sales, Treasury, Finance, and Accounting teams, improvement of liquidity, and adherence to securitization and payment-term requirements. A hybrid schedule in Houston is supported.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or a related business field required.
• Minimum 5 years of relevant experience; manufacturing, oil and gas, energy, or chemical industry experience preferred.
• Advanced proficiency with SAP FI and FI-AR required.
• Expert knowledge of SAP transactions including F-28, F-32, FD32/F.31, F150, and VKM1.
• Understanding of SAP SD/FI integration, including VA03 and VF03.
• Experience analyzing and spreading financial statements to establish credit limits and risk ratings.
• Experience with cash application, AR reconciliation, collections, credit risk, and portfolio management.
• Advanced Excel skills, including Power Query, PivotTables, and large data sets.
• Experience with credit insurance, ABS, Letters of Credit, or trade finance preferred.
• MBA or CPCP, CMA, or comparable professional certification preferred.
• Professional English and Spanish fluency required.
• Ability to work a hybrid schedule in Houston, TX.

Responsibilities

• Analyze customer financial statements, credit reports, and payment trends to establish credit risk ratings and limits.
• Monitor credit limits, credit insurance coverage, customer exposure, and portfolio risk.
• Manage SAP blocked‑order workflows using VKM1 and evaluate orders for release or escalation.
• Maintain compliance with Asset‑Backed Securitization requirements, customer classifications, and payment terms.
• Lead Letter of Credit processes and coordinate with banking partners.
• Apply global ACH, wire, and check payments accurately within SAP.
• Investigate short payments, deductions, credits, unapplied cash, and other account discrepancies.
• Lead monthly collection reviews and execute weekly SAP dunning cycles using F150.
• Perform AR accounting reconciliations and support internal, external, and ABS audits.
• Publish weekly global and regional collections and sales reporting for senior leadership.
• Partner with Sales, Treasury, Finance, Accounting, IT, banking institutions, and credit insurance providers.

Skills

Credit risk analysis

Advanced Excel

Spanish fluency

Cross-functional collaboration

Financial statement analysis

Education

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

MBA or CPCP, CMA, or comparable professional certification preferred

Tools

SAP FI

FI-AR

F-28

F-32

FD32/F.31

F150

VKM1

VA03

VF03

Job description

Primary Services in Houston, TX, is seeking a Senior Credit Risk Analyst to manage end-to-end credit-to-cash processes. You will assess customer financials, set risk ratings, and oversee SAP cash applications and reconciliations in a global, cross-functional environment.

The role emphasizes collaboration with Sales, Treasury, Finance, and Accounting teams, improvement of liquidity, and adherence to securitization and payment-term requirements. A hybrid schedule in Houston is supported.