Sr. Credit Analyst

Vaco; Atlanta (GA); Hybrid; USD 70,000 - 75,000; Full time

Job summary

An established industry player is seeking a Senior Credit Analyst to join their dynamic team. This role focuses on credit analysis, evaluating high-credit customers through financial statement reviews and risk assessments. You'll play a crucial part in determining credit limits and monitoring risks, all while collaborating with internal teams in a hybrid work environment. With opportunities for growth and a stable company culture, this position offers visibility and responsibility in a collaborative setting. If you're passionate about financial analysis and want to make an impact, this is the perfect opportunity for you.

Benefits

Hybrid work schedule

Opportunities for growth

Collaborative environment

Qualifications

• 5+ years in credit analysis within a large company.
• Strong understanding of financial statements and metrics.
• Proficiency with financial tools and software.

Responsibilities

• Analyze financials and public filings for credit risk.
• Assess credit limits for high-exposure customers.
• Monitor credit risk and maintain high-risk lists.

Skills

Credit Analysis

Financial Statement Review

Risk Assessment

Ratio Analysis

EBITDA Analysis

Operating Cash Flow Analysis

Education

Bachelor's Degree in Finance

Bachelor's Degree in Accounting

Tools

SAP

JDE

Excel

D&B Credit Tools

Job description

Vaco Atlanta has partnered with a well-established, growing company to hire a Senior Credit Analyst to evaluate high-credit customers. This is a true credit analysis role - not collections - focused on financial statement review, credit risk, ratio analysis, EBITDA, and operating cash flow.

Role: Sr. Credit Analyst
Location: Duluth, GA
Onsite: Hybrid (3 onsite, 2 remote)
Job Type: permanent, direct hire.
Compensation: $70,000 - $75,000

Responsibilities:

• Analyze financials, public filings (10K/10Q), trade/bank references, and internal payment history
• Assess and adjust credit limits for customers with exposure over $150K
• Monitor credit risk and recommend changes as needed
• Maintain credit reserves and high-risk account watch lists
• Partner with internal teams and communicate decisions clearly

Requirements:

• Bachelor's degree in Finance or Accounting
• 5+ years of experience in credit analysis within a large company
• Strong understanding of financial statements and risk assessment metrics
• Proficiency with SAP, JDE, Excel, and credit tools like D&B

Why Join:

• Hybrid work schedule with flexibility
• Stable company with opportunities to grow
• High-impact role with visibility and responsibility
• Collaborative, professional environment

Vaco by Highspring values a diverse workplace and strongly encourages women, people of color, LGBTQ+ individuals, people with disabilities, members of ethnic minorities, foreign-born residents, and veterans to apply.

EEO Notice

Vaco by Highspring is an Equal Opportunity Employer and does not discriminate against any employee or applicant for employment because of race (including but not limited to traits historically associated with race such as hair texture and hair style), color, sex (includes pregnancy or related conditions), religion or creed, national origin, citizenship, age, disability, status as a veteran, union membership, ethnicity, gender, gender identity, gender expression, sexual orientation, marital status, political affiliation, or any other protected characteristics as required by federal, state or local law.

Vaco by Highspring and its parents, affiliates, and subsidiaries are committed to the full inclusion of all qualified individuals. As part of this commitment, Vaco by Highspring and its parents, affiliates, and subsidiaries will ensure that persons with disabilities are provided reasonable accommodations. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact [e-mail] .

Vaco by Highspring also wants all applicants to know their rights that workplace discrimination is illegal.

By submitting to this position, you agree that you will be giving Vaco by Highspring the exclusive right to present your as a candidate for the foregoing employment opportunity. You further agree that you have represented information about yourself accurately and have not affirmatively misrepresented your qualifications. You also agree to maintain as confidential, to the fullest extent permitted by law, any information you learn from Vaco by Highspring about the position and you will limit disclosure of information about the position only to the extent necessary to perform any obligations in furtherance of your application. In exchange, Vaco by Highspring agrees to exercise reasonable efforts to represent you through all solicitation, job screening and resume dispersal.

Privacy Notice

Vaco by Highspring and its parents, affiliates, and subsidiaries ("we," "our," or "Vaco by Highspring") respects your privacy and are committed to providing transparent notice of our policies.

• California residents may access Vaco by Highspring HR Notice at Collection for California Applicants and Employees here.
• Virginia residents may access our state specific policies here.
• Residents of all other states may access our policies here.
• Canadian residents may access our policies in English here and in French here.
• Residents of countries governed by GDPR may access our policies here.

Pay Transparency Notice

Determining compensation for this role (and others) at Vaco by Highspring depends upon a wide array of factors including but not limited to:

• the individual's skill sets, experience and training;
• licensure and certification requirements;
• office location and other geographic considerations;
• other business and organizational needs.

With that said, as required by local law, Vaco by Highspring believes that the following salary range referenced above reasonably estimates the base compensation for an individual hired into this position in geographies that require salary range disclosure. The individual may also be eligible for discretionary bonuses.