Sr Credit Analyst

MX Holdings; St. Louis (MO); On-site; USD 70,000 - 89,000; Full time

Benefits offered by this job

Medical, dental, and vision insurance

Disability and life insurance

401(k) with matching contribution

Generous paid vacation and holidays

Performance-based bonuses

Ongoing training and development

Job summary

A global leader in metals manufacturing is seeking a Senior Credit Analyst in St. Louis, MO. Responsibilities include overseeing credit risks, establishing limits, and managing the Pennex portfolio. Candidates must have a Bachelor’s degree in a related field and a minimum of 10 years of experience in commercial credit. We offer competitive pay, insurance benefits, and opportunities for professional growth within a purpose-driven culture that values safety and integrity.

Qualifications

• Minimum 10 years of commercial credit experience as Senior Credit Analyst or equivalent.
• Must be eligible to work in the US; no visa sponsorships available.
• Ability to challenge assumptions and influence stakeholders.

Responsibilities

• Establishes credit limits for new and existing accounts.
• Oversees Pennex portfolio to ensure timely payments.
• Works closely with sales and admin teams to resolve payment issues.

Skills

Strong verbal communication skills

Strong analytical skills

Negotiating skills

Proactive risk identification

ERP systems experience

Education

Bachelor’s degree in Finance, Accounting, or a related field

Master’s degree preferred

Tools

Microsoft Dynamics 365

Job description

Consider joining the MX Holdings family as a Senior Credit Analyst (Manufacturing) in our St. Louis, MO location. The Senior Credit Analyst (Manufacturing) is responsible for establishingcredit limits for new accounts or reviewing credit limits for existing customers.This position is responsible foroverseeing the Pennex portfolio of accounts to ensuretimelypaymentsand to keep them within their designated credit limits. In addition, the Senior Credit Analystworksto resolve any customer disputes or complaints and escalates to the credit manager ifdetermined that the customer is unwilling or unable to payin accordance withagreed upon payment terms.

Responsibilities

• Oversees all credit and collection responsibilities for Pennex
• Establishes internal credit limits for customers through comprehensive analysis, including financial statement review, operational assessment, and high-level customer discussions.
• Secures credit insurance when appropriate to support customer credit limits.
• Conducts ongoing reviews of existing customer credit limits, with formal annual reviews.
• Makes internal credit decisions up to $250k and prepare credit recommendations for the credit committee for decisions above this amount based on comprehensive analysis and review.
• Ensures adherence to customer payment terms through effective collection management.
• Works closely with sales and admin teams to identify and correct problems and issues causing payment delays.
• Develops payment plans with customers experiencing cash flow problems where appropriate while managing overall credit risk.
• Files insurance claims and/or bankruptcy claims as necessary for nonperforming or bankrupt accounts.
• Monitors and controls credit exposures for all customers to ensure adherence to established credit limits.
• Other duties as assigned.

Education and Experience

• Bachelor’s degree in Finance, Accounting, or a related field required
• Master’s degree preferred
• 10 or more years of commercial credit experience as Senior Credit Analyst or equivalent

Required Skills/Abilities

• Strong verbal, communication and negotiating skills
• Strong analytical skills
• Demonstrates strong initiative and self-motivation by proactively identifying risks, improving processes, and driving tasks to completion with minimal supervision
• Champions continuous improvement initiatives that drive operational excellence and measurable results
• Strong judgment and decision-making skills with a demonstrated ability to balance risk and profitability
• Experience with ERP systems (Microsoft Dynamics 365 preferred)
• Strong collaboration with sales, operations, supply chain, and finance teams
• Ability to challenge assumptions and influence stakeholders while maintaining relationships
• Travel up to 25% as needed
• Regular attendance required.
• Must be able to pass pre-employment physical and drug screen.
• Must be eligible to work in the United States, visa sponsorships are not available.

About Us

Becoming part of MX Holdings family, celebrating 50 years in 2024, MX Holdings is a global leader in the purchasing, processing, and manufacturing of non-ferrous metals, primarily Aluminum. Enabled by our breadth of experience and deep expertise, we are proud to deliver top-quality products and services to customers across our family of brands – including Metal Exchange and Pennex. But it’s not just what we do that sets us apart, it’s how we do it. Safety. Integrity. Caring. Growth. These core values are embodied by each member of our team; guiding every action we take and decision we make. Whether it’s driving innovation within our industry, making the impossible possible for our customers, providing a safe, respectful workplace for employees or supporting our local communities, our purpose is clear. We are dedicated to impacting our world in a positive way.

Perks of the Job

• Medical, dental and vision insurance
• Disability and life insurance
• 401(k) with matching contribution
• Generous allotment of paid vacation and paid holidays
• Competitive wages plus performance-based bonus opportunities
• Employee Assistance Program (EAP)
• Ongoing training and professional development
• Ample opportunity for career growth and advancement
• Relocation package may be available

Why Our People Love Working Here

• Purpose-driven, friendly, open, and respectful culture
• Highly engaged workforce – as indicated by best-in-class engagement scores
• Shared core values of safety, integrity, caring, and growth
• Leaders committed to building more diverse, inclusive teams
• Free on-site gym access
• Tuition reimbursement
• Complimentary refreshment bar with beverages and snacks
• Employee discount program with hundreds of partner brands
• Wellness incentive program
• Regular employee celebrations and events

Who We Are

Celebrating 50 years in 2024, MX Holdings is a global leader in the purchasing, processing, and manufacturing of non-ferrous metals, primarily Aluminum. Enabled by our breadth of experience and deep expertise, we are proud to deliver top-quality products and services to customers across our family of brands – including Metal Exchange and Pennex.

Our Commitment to Inclusion

We welcome people of different backgrounds, abilities, and perspectives. To ensure our business and culture continue to be inclusive of all people, we never discriminate based on race, religion, national origin, gender identity or expression, sexual orientation, age or marital status, veteran, or disability status. MX Holdings and our family of brands, including Metal Exchange and Pennex, are proud to be equal opportunity employers. Additionally, all your information will be kept confidential according to EEO guidelines. Should you have any questions or require special assistance completing your application, please email [e-mail].

Qualified Applicants must be legally authorized for employment in the United States and not require employer sponsored work authorization now or in the future for employment in the United States.

Our salary ranges are primarily determined by role, level, and location. The range provided for each job posting reflects the minimum and maximum target salaries for the position across all US locations. Within the range, individual pay is determined by work location and additional factors, including job-related skills, experience, and relevant education or training.

Confidentiality Agreement Required: Yes

Posted Min Pay Rate USD $70,000.00/Yr.

Posted Max Pay Rate USD $89,000.00/Yr.