Credit Analyst

Position Overview
 

The Credit Analyst II evaluates customer creditworthiness and manages a portfolio of past-due accounts to minimize risk and optimize cash flow. This role balances sound credit decisions with strong customer relationship management, partnering cross-functionally to resolve issues and drive collections performance. Reporting to the Senior Manager, Credit & Collections, this position offers a flexible hybrid work arrangement. 

Key Responsibilities
 

Credit Risk Assessment 
 

• Evaluate customer and prospective customer creditworthiness using financial statements, credit agency data, banking references, and public/private sources

• Investigate discrepancies in credit line requests and do clarifying research

• Approve or decline credit requests in line with established credit matrix and policy guidelines 

• Escalate marginal credit requests with formal written analysis and recommendations

• Document all credit decisions thoroughly and in compliance with policy
  
   

Collections & Portfolio Management
 

• Manage a portfolio of delinquent accounts and oversee the full dunning cycle

• Contact customers to resolve overdue balances while maintaining strong business relationships 

• Identify root causes of non-payment (financial hardship, disputes, insolvency) and drive resolution

• Negotiate payment plans and rescheduling arrangements to secure timely commitments

• Recommend third-party collections, legal action, or write-offs (360+ days overdue) when appropriate 

• Partner with Sales and Operations to resolve disputes and secure payment

• Deliver on cash collection goals 

• Minimize bad debt 

• Assist customers with billing/dunning related issues 
  
   

Coordination & Reporting
 

• Provide weekly portfolio updates and performance reporting to management 

• Support internal and external audit requests 

• Ensure accurate billing for Enterprise and named accounts 

• Manage trade credit securities as required

• Contribute to month- and quarter-end reporting activities

• Collaborate cross-functionally to support collections success and customer experience, with sensitivity to regional and cultural business practices
   

Minimum Qualifications
 

• Bachelor’s degree preferred 

• 5+ years of credit and collections experience 

• SAP experience required 

• Strong Excel and data analysis skills 

• Salesforce experience preferred 

• Strong negotiation, communication, and stakeholder management skills 

• Analytical mindset with attention to detail
   

Preferred Qualifications
 

• Salesforce experience 

• Experience reporting into a multinational/matrixed environment 

• International languages (Spanish, French, German, etc.) 

• Experience dealing with online customer billing portals