Credit Analyst

Overview

This Credit Analyst role partners with customers and internal teams to support business growth opportunities while managing the organization’s risk of financial loss. Responsibilities include reviewing and processing new and existing credit applications and customer account changes, communicating directly with customers to gather necessary financial information, and coordinating with internal teams based on credit review outcomes.

Responsibilities

• Review credit applications by pulling credit reports and requesting trade references, financial statements, and other information needed to make credit decisions within assigned guidelines.
• Review existing customer credit files to support sales growth while managing risk; request and evaluate financial statements, account history, competitor analysis, and additional options as needed (including personal guaranties and letters of credit).
• Communicate with customers to understand their business and negotiate or provide credit options to reach mutually successful outcomes.
• Communicate with internal teams by sharing results of credit reviews and providing guidance as needed for work impacted by credit decisions.
• Review custom orders, including determining deposits and terms; maintain custom order record keeping in the custom order log.
• Monitor and provide reporting on specific customers and customer segments.
• Maintain accurate customer account information in internal databases.
• Perform other duties as assigned.
• Comply with all policies and standards.

Requirements

• 4+ years of related credit or account receivable experience or equivalent education.
• Experienced in risk management and decision making.
• High level of competency with computer and software applications.
• Excellent communication skills.
• Excellent time management and organization skills to achieve team, department, and organizational goals.
• Strong negotiating skills; ability to achieve positive results.
• Ability to communicate effectively with diplomacy and tact.
• Ability and willingness to learn.
• Strong analytical and problem-solving skills.
• Ability to work as part of a team and be self-directed with minimal supervision.
• Approachable and flexible; ability to change directions quickly and positively while recognizing opportunities for mutually beneficial solutions.

Compensation & Benefits

• Salary Range (hourly):
  • $25.00 – $34.65 (WA, NJ)
  • $22.88 – $31.70 (MN, NV, TX, VA)
  • $22.00 – $30.49 (AZ, ID, FL, MT, OH)
  • Salary is based on experience.
• Annual discretionary bonus: Eligible up to 5% of base salary.
• Paid Time Off: Accrue paid time off on a weekly basis based on hours worked, up to 112 hours per year to start. Includes 8 paid holidays and 1 paid family day off.
• Additional Benefits:
  • Comprehensive medical, dental, and vision benefits
  • 401k plan with matches $1 for $1 up to 4% of earnings (matched and vested at every pay cycle)
  • Life insurance
  • Short/long-term disability coverage
  • Paid maternity/paternity leave
  • Pet insurance

Location & Work Expectations

• Remote: Standard working hours are 8:00–5:00 PST.
• Periodic travel may be required.
• Regular requirements include sitting for extended periods while working on a computer and participating in virtual and in-person meetings; frequent use of hands for keyboarding and standard office equipment.
• Occasional standing, walking, and reaching may be needed to attend meetings or collaborate in an office setting.
• Ability to perform close visual work on a computer for extended periods.
• Occasional lifting and/or moving up to 10–15 pounds may be required.
• Reasonable accommodations may be available to enable individuals with disabilities to perform essential job functions.