Credit Analyst

Overview

This role supports business growth by assessing customer credit risk and helping internal teams and customers reach mutually successful credit decisions. Responsibilities include reviewing and maintaining credit applications and customer credit files, communicating directly with customers to gather financial information, and monitoring credit performance across specific customers and segments.

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 learn about their business, request required information, negotiate, and provide options to meet credit requirements.
• Coordinate with internal teams by sharing credit review results and providing guidance when credit review outcomes impact other functions.
• Review custom orders by determining required 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 the organization’s 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.
• Experience in risk management and decision making.
• High level of competency with computer and software applications.
• Excellent communication skills.
• Excellent time management and organization skills.
• Strong negotiating skills and 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; able 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)
• Bonus: Eligible for an annual discretionary bonus 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 of $1 for $1 up to 4% of earnings (matched & 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.
• Travel: Periodic travel may be required.
• Physical requirements: Regularly required to sit for extended periods while working on a computer and participating in virtual and in-person meetings.
• Equipment use: Frequent use of hands for keyboarding and standard office equipment.
• Mobility: Occasional standing, walking, and reaching may be needed to attend meetings or collaborate in an office setting.
• Visual demands: Ability to perform close visual work on a computer for extended periods.
• Lifting: May occasionally lift and/or move up to 10–15 pounds.
• Accommodations: Reasonable accommodations may be available to enable individuals with disabilities to perform essential job functions.

Equal Employment Opportunity / Compliance

• Equal Opportunity Employer.
• Participates in E-Verify.