Sr. Credit Analyst

RYAM; Jacksonville (TX); On-site; USD 60,000 - 85,000; Full time

Job summary

RYAM is seeking a Credit professional to lead the credit and collections function across sites, ensuring policy alignment and effective risk management. The role involves setting credit limits, monitoring receivables, and coordinating with sales, legal, and outside forums to protect assets.

The ideal candidate holds a bachelor’s in a financial field with 3+ years of relevant experience, and is proficient in evaluating credit risk, communicating with customers, and using agencies like D&B to

Qualifications

• Bachelor’s degree in a financial field.
• Three or more years of directly relatable experience.
• Experience in credit and collections preferred.
• EOE/Vet/Disability statement.

Responsibilities

• Provide and coordinate a credit and collection service while ensuring proper control of the credit function by applying company policy, principles and guidelines.
• Investigate, prepare and recommend credit limits for new or existing customers, adhering to policy.
• Coordinate credit limits within sites to ensure customer limits are not exceeded.
• Monitor, review and update existing credit limits to reflect current market conditions.
• Monitor receivables and collection of past due accounts.
• Improve and maintain customer communication to reduce time spent by sales/marketing on credit issues.
• Use multiple credit agencies to manage risk.
• Communicate pertinent customer information to the proper individuals.
• Safeguard assets by controlling and collecting receivables.
• Contract out collections with various agencies.
• Participate in outside credit forums (NACM, D&B, etc).
• Prepare Court Claim documents on bankrupt customers.
• Monitor and account for D&B report usage.
• Advise and provide credit information to other groups within the corporation.
• Additional duties as assigned.

Skills

Credit management

Collections

Risk assessment

Customer communication

Policy adherence

Education

Bachelor's degree in finance

Accounting

Tools

D&B reports

Job description

About RYAM

RYAM is a global leader of high purity cellulose commonly used in the production of filters, food, pharmaceuticals, high performance plastics, propellants and various other industrial applications. RYAM’s specialized assets, capable of creating the world’s leading cellulose specialties products, are also used to produce cellulose viscose pulp, cellulose fluff pulp, paperboard, high yield pulp and various value-added co-products, including biofuels, bioelectricity and lignin. With manufacturing operations in the U.S., Canada and France, RYAM generated $1.5 billion of revenue in 2025. More information is available at www.ryam.com

RYAM’s intellectual property and manufacturing processes have been developed over 100 years, resulting in unique properties and very high quality and consistency. RYAM is consistently ranked among the nation’s top 50 exporters and delivers products to 79 ports around the world, serving customers in over 40 countries across five continents.

At RYAM, we’re shaping the future of talent.

RYAM has a specific purpose…to be the world’s leading manufacturer of renewable products, including paper, packaging, and high purity cellulose. We want smart, innovative people who can find new ways to solve challenging problems. We need talented professionals across multiple disciplines who want to contribute to the company’s mission and advance its vision, while also shaping its future.

How you’ll shape the future of the Credit Department:

• This position will be responsible for providing and coordinating a credit and collection service while ensuring proper control of the credit function by application of company policy, principles and guidelines.

• Investigation, preparation and recommendation of credit limits for new customers or existing customers, adhering to company policy

• Co-ordinationofcreditlimitswithinsitestoensure customer limits are not exceeded

• Monitor, review and update existing credit limits to reflect current market conditions.

• Monitoring of receivablesandcollectionof pastdueaccounts

• Improveandmaintaincustomercommunicationtoalleviate timespentbysalesandmarketingpersonnelresolving creditissues

• Usemultiplecreditagenciestomanagerisk

• Ensureallpertinentinformationreceivedoncustomersiscommunicatedtoproperindividuals

• Safeguardassetsbycontrolandcollectionofreceivables

• Contractingoutcollectionswithvariouscollectionagencies

• Participateinoutsidecreditforums(NACM,D&Betc)

• PreparationofCourtClaim documentsonbankrupt customers

• Monitor and account for D&B report usage

• Advise,recommendand/orprovidepertinentcredit informationto otherGroupswithinthecorporation

• Additional duties as assigned

You’ll be someone who can bring:

• A bachelor’s degree in a financial field of study

• Three or more years of directly relatable experience

EOE/Vet/Disability