Strategic Credit Analyst: Risk & Relationships

Central States; Tontitown (AR); On-site; USD 45,000 - 65,000; Full time

Job summary

Central States is seeking a Credit Analyst to support the credit team by analyzing the AR portfolio, reviewing financial statements, and approving or denying credit within policy. You will work closely with sales and customer service to maintain strong relationships and minimize bad debt while ensuring timely, accurate decisions.

This role emphasizes collaboration across departments, adherence to credit and collection procedures, and the preparation of insightful reports to support

Qualifications

• High School Diploma or Equivalent and 3+ years in commercial credit.
• Strong self-starter with solution orientation and good follow-through.
• Ability to operate in a fast-paced environment with high volume of work.
• Analytical skills to evaluate credit data and make sound decisions.
• Proficient in MS Office, especially Excel with formulas and pivots.
• Experience with credit scoring and presenting to management.

Responsibilities

• Ensure prompt attention to matters impacting the order to cash cycle.
• Approve or deny credit orders per policies to balance risk and customer relations.
• Apply credit and collection policies and procedures.
• Review collections status and ongoing credit risk of customer portfolio.
• Initiate credit limit reviews and request financial statements as needed.
• Analyze requests for credit and approve terms within policy.
• Represent credit and collection functions to optimize systems use.
• Develop and analyze reports to meet business needs.
• Submit credit requests beyond authority to Credit Supervisor.
• Respond to inquiries related to the credit department.
• Maintain relationships with customers, sales, and external credit sources.
• Collaborate with sales to resolve disputes including pricing and promotions.
• Monitor delinquent accounts and recommend actions on those accounts.

Skills

Credit Analysis

Financial Statements

Microsoft Excel

Credit Scoring

Communication

Problem Solving

Teamwork

Job description

Central States is seeking a Credit Analyst to support the credit team by analyzing the AR portfolio, reviewing financial statements, and approving or denying credit within policy. You will work closely with sales and customer service to maintain strong relationships and minimize bad debt while ensuring timely, accurate decisions.

This role emphasizes collaboration across departments, adherence to credit and collection procedures, and the preparation of insightful reports to support