Senior Credit Analyst

Overview

This Senior Credit Analyst role works with customers and internal teams to evaluate customer credit profiles and support business growth opportunities while managing the organization’s risk of financial loss. Responsibilities include processing and reviewing new credit applications and customer credit files, supporting escalated issues and complex accounts, and mentoring team members by sharing insights and suggestions aligned with supervisor and credit manager expectations.

Responsibilities

• Review credit applications by pulling credit reports, requesting trade references, and evaluating financial statements and other relevant information to make complex credit decisions with limited oversight.
• Evaluate existing customer credit files by requesting and reviewing financial statements, account history, competitor analysis, and additional information needed to support increased credit terms (including personal guaranties and letters of credit).
• Communicate with customers to learn about their business, request information, negotiate terms, and provide options that support mutually successful outcomes.
• Communicate with internal teams by sharing results of credit reviews and providing guidance as necessary when credit decisions impact team efforts.
• Review custom orders, determining deposits and terms, and maintain custom order record keeping in the custom order log.
• Monitor and provide reporting on specific customers and customer segments.
• Maintain customer account information in internal databases.
• Perform other duties as assigned.
• Comply with all policies and standards.

Requirements

• 7–9 years of related credit or account receivable experience, or a mix of education and experience.
• Experience working with credit portfolios within the B2B field is preferred.
• Expertise in financial analysis, risk management, and decision-making; ability to identify solutions aligned with organizational objectives.
• Experienced in financial analysis as part of the credit evaluation process.
• High level of competency with computer and software applications.
• Excellent communication skills.
• Excellent time management and organization skills to effectively reach goals of the team, department, and organization.
• 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 to reach mutually beneficial solutions.

Compensation & Benefits

• Salary Range (hourly):
  • $32.56 - $43.27 (WA, NJ)
  • $29.79 - $39.59 (MN, NV, TX, VA)
  • $28.65 - $38.08 (AZ, ID, FL MT, OH)
  • Rate depends on experience.
• Bonus: Eligible for an annual discretionary bonus up to 10% 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. Employees also receive 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 & vested at every pay cycle)
  • Life insurance
  • Short/long-term disability coverage
  • Paid maternity/paternity leave
  • Pet insurance

Location & Work Conditions

• Remote: Standard working hours are 8:00–5:00 PST. Periodic travel may be required.
• Ability to sit 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.
• May occasionally lift and/or move up to 10–15 pounds.
• Reasonable accommodations may be available to enable individuals with disabilities to perform essential job functions.

Equal Opportunity

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