Trade Finance Analyst - AR

Unity Search Group; Houston (TX); On-site; USD 70,000 - 110,000; Full time

Job summary

UNITY, a Houston-based commodity trading organization, seeks a Trade Finance Analyst to join its finance and commercial operations team. The role blends AR management with trade finance, AML/KYC, and cash forecasting across an international trade flow.

You will own invoicing, receivables, credit analysis, and cash forecasting while collaborating with Commercial and Operations to understand contracts, pricing, and settlement economics. A strong Excel and ERP/CTRMs background is preferred.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or related field.
• Approximately 3–5 years of relevant AR/finance experience.
• Experience in commodity trading or energy trading is strongly preferred.

Responsibilities

• Manage customer invoicing and accounts receivable activity from billing through collection and settlement.
• Prepare and maintain short- and medium-term cash flow forecasts.
• Support letters of credit and other trade finance documentation.
• Assist with customer credit analysis, credit exposure monitoring, and risk management.
• Coordinate AML/KYC documentation and customer onboarding requirements.
• Reconcile customer balances, cash receipts, settlements, and related financial activity.

Skills

Accounts receivable

Financial analysis

Cash forecasting

Credit analysis

Education

Bachelor's degree in Finance, Accounting, Economics, or related field

Tools

ERP systems

CTRMs

Excel

Job description

Trade Finance Analyst - AR | Commodity Trading | Houston (Energy Corridor)

UNITY is partnering with a Houston-based commodity trading organization to identify a Trade Finance Analyst, AR to join its finance and commercial operations team. More than a traditional accounts receivable role, this position sits at the intersection of Finance, Accounting, Commercial, Operations, customers, and financial institutions and provides exposure to the full trade-to-cash lifecycle within an international trading business. The AR Financial Analyst will take ownership of customer invoicing, receivables, cash forecasting, trade finance documentation, customer credit and AML/KYC processes, while developing a strong understanding of the commercial activity behind each transaction.

Key Responsibilities

• Manage customer invoicing and accounts receivable activity from billing through collection and settlement
• Prepare and maintain short- and medium-term cash flow forecasts
• Support Letters of Credit and other trade finance documentation
• Assist with customer credit analysis, credit exposure monitoring, and risk management
• Coordinate AML/KYC documentation and customer onboarding requirements
• Reconcile customer balances, cash receipts, settlements, and related financial activity
• Partner closely with Commercial and Operations teams to understand contracts, vessel activity, pricing, and transaction economics
• Identify discrepancies and potential collection or settlement issues before they become problems
• Perform financial analysis and improve reporting, processes, controls, and Excel-based tools

Job Requirements

• Bachelor's degree in Finance, Accounting, Economics, or related field
• Approximately 3-5 years of relevant experience in AR, financial analysis, trade finance, commodity trading, energy, logistics, or a similar commercial environment
• Commodity trading, energy, international trade, or trade finance experience strongly preferred
• Exposure to Letters of Credit, customer credit analysis, cash forecasting, or commodity settlements is highly desirable
• Strong Excel skills, including reconciliations, financial modeling, formula review, and data analysis
• Experience working with ERP, CTRM, or other financial systems
• Ability to independently manage recurring responsibilities with a high degree of accuracy, ownership, and follow-through

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