Credit Analyst

About Company:

Join a Legacy of Excellence at Air Engineers Air Engineers proudly serves as the longest-standing independent Trane Technologies distributor in the United States. Headquartered in Birmingham, Alabama, with four offices across Alabama and six in Florida we bring top-tier HVAC solutions to the communities we serve. As a legacy Mitsubishi partner and a rapidly growing provider of Parts and Supplies, Air Engineers continues to evolve and innovate in service delivery. Our success is built on a foundation of deep industry expertise and a commitment to excellence. What truly sets us apart? Our people and our culture. As a 3rd-generation, 100% family-owned company, we believe that when our team thrives, our customers do too. Our culture is rooted in five core values:

• Family
• Attitude
• Passionate
• Dependable
• Fun

These values drive everything we do, from how we support our employees to how we serve our dealer clients with creativity, care, and consistency. If you're looking to be part of a company with a rich history, a vibrant culture, and a clear vision for the future, we’d love to connect. Let’s build something great together.

About the Role:

The Credit Analyst is responsible for evaluating customer creditworthiness, establishing and maintaining appropriate credit limits and terms, monitoring customer accounts, and supporting the overall management of accounts receivable risk. This position works closely with Sales, Customer Service, Accounting, and Collections to balance customer needs with the company's responsibility to minimize credit exposure and maintain healthy cash flow. The Credit Analyst also assists with account research, payment application, dispute resolution, credit holds, and other activities necessary to maintain accurate and current customer accounts. Essential Duties and Responsibilities Credit Analysis & Account Setup

• Review and process new customer credit applications.
• Evaluate creditworthiness using credit applications, trade references, credit reports, payment history, financial information, and other available data.
• Recommend appropriate credit limits and payment terms based on established company guidelines.
• Review existing customer credit limits periodically and recommend adjustments based on payment history, purchasing activity, account exposure, and changes in financial condition.
• Maintain accurate credit files and supporting documentation.
• Obtain and verify required documentation for customer accounts, including tax-exempt certificates and other applicable account information.
• Identify accounts presenting elevated credit risk and recommend appropriate action.

Accounts Receivable Monitoring

• Regularly review accounts receivable aging reports to identify past-due balances, unusual activity, and potential credit concerns.
• Monitor customers approaching or exceeding established credit limits.
• Recommend credit holds or releases based on account status and company policy.
• Assist the collections function with customer credit evaluations and account research.
• Help prioritize higher-risk accounts based on outstanding balances, aging, payment history, and overall exposure.

The company's existing credit-department responsibilities specifically include reviewing A/R aging, prioritizing delinquent accounts, assisting with customer credit evaluations, escalating problem accounts, following credit-hold and write-off policies, documenting activity, and assisting with payment posting. Customer Account Management

• Research billing discrepancies, short payments, unapplied payments, deductions, disputed invoices, and other account discrepancies.
• Work with Sales, Service, Billing, and Finance personnel to resolve customer account issues.
• Communicate professionally with customers regarding credit requirements, account status, documentation, and payment-related questions.
• Document significant account conversations, commitments, credit decisions, and follow-up activities.
• Maintain accurate notes and account records within company systems.
• Assist with posting and applying customer payments as needed, consistent with the responsibilities already identified within Air Engineers' credit operation.

Credit Risk & Compliance

• Monitor customer accounts for changes in payment behavior, financial condition, or other indicators of increased credit risk.
• Escalate significant credit concerns or high-risk accounts to the Senior Credit Manager or appropriate leadership.
• Follow established approval authority for credit limits, credit holds, account releases, write-offs, settlements, and other credit decisions.
• Maintain appropriate documentation supporting credit decisions.
• Protect confidential customer and company financial information.
• Follow company policies and applicable laws and regulations governing credit and collection activities.

Reporting & Process Improvement

• Assist with preparation and analysis of credit and A/R reports.
• Track information such as aging trends, past-due balances, credit exposure, account status, and customer payment patterns.
• Identify opportunities to improve credit processes, documentation, workflows, reporting, and internal controls.
• Participate in implementation of system enhancements and automation affecting credit and accounts receivable.
• Perform other credit, accounts receivable, and accounting duties as assigned.

Process improvement and implementation of automation or tools are also responsibilities previously identified within Air Engineers' credit operation.

Qualifications

Education and Experience

• High school diploma or equivalent required.
• Associate or bachelor's degree in Accounting, Finance, Business Administration, or a related field preferred.
• Two or more years of experience in commercial credit, accounts receivable, collections, accounting, or a related financial role preferred.
• Experience evaluating business-to-business customer accounts strongly preferred.
• Equivalent combinations of education and relevant experience may be considered.