Credit Risk Analyst

About this role

• **Position Summary:** The **Credit Risk Analyst** will be responsible for evaluating, monitoring and managing customer credit risk to minimize financial exposure while supporting sales growth and timely order fulfillment.
• This role balances risk management with business objectives through established credit policies and credit insurance requirements while fostering positive customer relationships.
• ***Responsibilities:*** * Conduct thorough credit research on applicants through reading and interpreting risk factors from mercantile reports, verify submitted information to identify and minimize potential risks.
• * Evaluate creditworthiness and establish appropriate credit limits based on project size, payment history, financial stability and overall risk factors.
• * Coordinate with the credit insurance provider regarding customer coverage, limit requests, increases, reductions and cancellations.
• * Review and maintain customer credit limits in accordance with credit insurer approvals and established company credit policies.
• * Maintain accurate documentation of credit reviews, decisions, account updates, job information and other supporting information * Verify project information provided by contractors to support the preservation of lien and bond rights * Monitor and manage the credit hold queue by reviewing account status, identifying outstanding issues and coordinating resolutions to facilitate timely order releases.
• * Collaborate with internal team and customers to address credit concerns, obtain account updates and resolve outstanding issues.
• * Make timely, informed decisions regarding credit approvals, credit limit adjustments, credit extensions and order releases from credit hold.
• * Identify uninsured or underinsured credit exposure and communicate potential risks to the AR Manager * Coordinate customer setup and vendor registration requirements, including the completion of customer specific forms * Various duties, as assigned by AR Manager ***Minimum Qualifications:*** * 2-year college degree; or equivalent work experience required * Strong communication skills both verbal and written * Ability to handle sensitive customer interactions with professionalism * Working knowledge of basic accounting principles * Remain focused and on task in a fast-paced environment * Possess problem-solving and analytical abilities * Manage time effectively and adapt quickly to changing priorities * Experience with financial software systems such as IFS, Nuvo and Billtrust a plus ***Travel Required:*** No.
• ***Qualifications / Skills Preferred*** Vendor Management *Intermediate* Troubleshooting *Advanced* Teamwork *Advanced* Organizational Skills *Intermediate* MS Office Software *Intermediate* Effective Communication *Advanced* Computer skills *Advanced* ***Behaviors Preferred*** **Innovative:** Consistently introduces new ideas and demonstrates original thinking **Team Player:** Works well as a member of a group **Enthusiastic:** Shows intense and eager enjoyment and interest **Detail Oriented:** Capable of carrying out a given task with all details necessary to get the task done well **Adaptable:** Adjusts to changes such as new procedures or technology with ease and enthusiasm #### **Skills** Preferred * Vendor Management * Troubleshooting * Teamwork * Organizational Skills * MS Office Software * Effective Communication * Computer skills #### **Behaviors** Preferred * Innovative: Consistently introduces new ideas and demonstrates original thinking * Team Player: Works well as a member of a group * Enthusiastic: Shows intense and eager enjoyment and interest * Detail Oriented: Capable of carrying out a given task with all details necessary to get the task done well #### **Motivations** Preferred * Work-Life Balance: Inspired to perform well by having ample time to pursue work and interests outside of work * Self-Starter: Inspired to perform without outside help * Goal Completion: Inspired to perform well by the completion of tasks * Financial: Inspired to perform well by monetary reimbursement Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws.
• For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.

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