Sr. Credit Analyst

Avature; Duluth (GA); On-site; USD 70,000 - 90,000; Full time

Job summary

A leading global packaging company seeks a Senior Credit Analyst in Duluth, GA. The role involves analyzing customer creditworthiness, managing credit limits, and collaborating with internal teams. Ideal candidates will have a finance background and strong analytical skills. Join a culture of integrity and excellence, with opportunities for professional growth and development.

Benefits

Comprehensive training opportunities

Attractive salary reflecting skills and competencies

Corporate culture based on integrity and respect

Qualifications

• 5+ years of expertise in a high-volume transaction credit environment.
• Demonstrated ability in problem solving and priority setting.

Responsibilities

• Analyze financial statements and identify potential financial risks.
• Maintain customer accounts within credit limits and manage oversold accounts.
• Communicate credit decisions to customers and senior management.

Skills

Problem Solving

Communication

Strategic Agility

Education

Bachelor’s Degree in Finance/Accounting

Tools

Excel

JDE

SAP

Dunn & Bradstreet

Sales Force

Service Now

SharePoint

Job description

Smurfit Westrock (NYSE:SW) is a global leader in sustainable paper and packaging solutions. We are materials scientists, packaging designers, mechanical engineers and manufacturing experts with a shared purpose: Innovate Boldly. Package Sustainably. Guided by our values of integrity, respect, accountability and excellence, we use leading science and technology to move fiber-based packaging forward.

The Finance and Accounting organization is a mission and results driven team that operates with a strong sense of collaboration to support the business, while utilizing our technical expertise, as we manage processes to record, reconcile, and report all financial activity of the enterprise. We bring financial context into the picture when partnering with the lines of business, senior and executive management, and our board of directors.

The Opportunity:

The Senior Credit Analyst is responsible for analyzing Smurfit Westrock’s customers’ financial condition for credit worthiness utilizing multiple tools that include modeling, internal history and external reporting. The Sr. Credit Analyst will evaluate existing Smurfit Westrock customers with limits exceeding $150,000 for credit limit increases, involving running and analyzing 3rd party reporting applications, bank/trade references, financial statements and public company filings (10Q/10K), debt ratings as well as evaluating the customers’ payment history with Smurfit WestRock. This role will partner with internal departments as well as external customers. The ability to develop and maintain positive working relationships with all internal/external customers is critical. This role will be located in our Duluth, GA offices and will be on-site 3-4 days per week.

How you will impact WestRock:

• Participates in major department projects, meetings and take an active role in cross-functional teams to assist in driving quality improvements, processes and initiatives.
• Maintain reserves on high risk accounts through the AR Reserve Process; participates in the AR Reserve monthly process upon request
• Maintain assigned portfolio reviews within the recall date and turn days target for credit reviews
• Maintain customer accounts within the credit limits and keep oversold accounts at the given targets
• Release orders timely and make sure account is in good standing when releasing orders
• Maintain Bad debt write-off goal for the assigned portfolio within the given target
• Maintain the Watch list and AR Reserve for your portfolio
• Participates and pass all SOX, Internal Audit, Securitization, and ISO audits
• Analyze financial statements identifying potential financial risks
• Set risk-based credit limits using all available credit information
• Review existing customers’ payment history and credit reports for credit limit adjustments
• Communicate credit decisions to customers and senior management
• Obtain missing credit information from requesting plant/salesman
• Ongoing communication of Smurfit WestRock credit policies
• Regularly review customer accounts for credit limit adjustments
• Proactively review customer credit risk changes with Manager of Cash Applications and Credit Management
• Ensure prompt response time on all credit related requests
• Run daily queries to assist with overall portfolio management
• Actively participates and communicates in the team-based work groups that make up the Cash Applications, Credit and Collections.

What you need to succeed:

• Bachelor’s Degree in Finance/Accounting
• 5 + years of demonstrated expertise in a high-volume transaction credit environment.
• Demonstrated ability in problem solving, priority setting and planning.
• Strong communication skills, strategic agility and process engineering.
• Previous working experience in JDE or SAP.
• Demonstrated experience in Excel
• Proficiency with other tools such as Dunn & Bradstreet, Sales Force, Service Now, SharePoint, etc.

What we offer:

• Corporate culture based on integrity, respect, accountability, and excellence
• Comprehensive training with numerous learning and development opportunities
• An attractive salary reflecting skills, competencies, and potential
• A career with a global packaging company where Sustainability, Safety and Inclusion are business drivers and foundational elements of the daily work

Candidates are required to undergo a drug screening after receiving a conditional job offer, but before starting employment.

Smurfit Westrock is an Equal Opportunity Employer. We strive to create and maintain a diverse workforce where everyone feels valued, respected, and included. Smurfit Westrock does not discriminate on the basis of race, color, religion, national origin, sex, age, disability, veteran status, sexual orientation, gender identity, or any other basis protected by federal, state or local law.