Credit Analyst with afternoon shift

Exciting new job opening

KEY RESPONSIBILITIES

Credit Risk Assessment and Portfolio Management

• Perform financial analysis and credit reviews for new and existing customers of low to medium complexity.
• Gather, review and maintain financial and business information from internal and external sources.
• Assess customer payment behavior, financial strength, industry risks and business outlook.
• Recommend appropriate credit limits, payment terms and risk mitigation measures within delegated authority.
• Maintain customer records and ensure credit documentation is complete, accurate and up to date.
• Monitor customer exposure and identify emerging credit risks requiring escalation.
• Execute periodic credit reviews and support bulk credit review activities.

Collection and Accounts Receivable Management

• Manage assigned accounts receivable portfolio and ensure timely collection of outstanding balances.
• Monitor overdue balances and proactively contact customers to resolve payment issues. Archive communications in the ERP system.
• Coordinate account reconciliation activities and support dispute resolution processes.
• Release customer orders when appropriate and consistent with approved credit policies.
• Ensure customer exposure remains within approved credit limits and company risk guidelines.

Customer Negotiation and Risk Mitigation

• Negotiate payment arrangements and payment performance improvement plans with customers. Negotiating payment agreements, conditions, timeframe, and interest, in pre-agreement with the BU Coordinators, Director of Credit
• Work with customers to resolve overdue balances, disputes and account concerns.
• Support negotiation of security instruments and risk mitigation solutions where appropriate.
• Escalate high-risk or complex situations to Credit Management with supporting recommendations.

Business Partnership and Stakeholder Collaboration

• Develop strong working relationships with Business Unit Finance, Commercial teams, Customer Service, Sales representatives and other internal stakeholders.
• Provide risk assessments and recommendations that support informed commercial decisions.
• Participate in discussions regarding customer strategy, account development and risk management.
• Communicate credit risks, collection concerns and customer developments to stakeholders in a timely manner.
• Support BU cash flow and working capital objectives through effective portfolio management.

Process Improvement and Projects

• Participate in department and cross-functional projects focused on process improvement, automation and digital transformation.
• Contribute to standardization, reporting enhancements and operational excellence initiatives.
• Support testing, implementation and continuous improvement of credit and collection tools and processes.
• Share best practices and contribute to team knowledge development.