We are looking for a Credit Analyst to support sound credit decisions and healthy accounts receivable performance for our operations in Pennsylvania. This role evaluates customer financial information, monitors portfolio risk, and partners with sales and other internal teams to balance business growth with disciplined credit practices. The ideal candidate brings strong analytical judgment, clear communication skills, and the ability to manage collections, disputes, and reporting in a fast-moving environment.
Responsibilities:
- Review customer financial statements and build spreadsheet-based assessments and operating metrics to support informed credit decisions, while leveraging AI-enabled tools where appropriate.
- Establish and adjust customer credit limits and payment terms based on risk analysis, account history, and overall business considerations.
- Monitor an assigned accounts receivable portfolio by evaluating payment trends, identifying emerging risk, and coordinating with sales partners on account performance.
- Manage delinquency and bad debt exposure by driving collection efforts, supporting dispute resolution, and helping maintain reserve levels through regular review.
- Promote consistent use of the credit application platform across teams and collaborate with the external provider to improve functionality and alignment with business needs.
- Work with customers and commercial teams to secure additional risk protection such as letters of credit and corporate or personal guarantees when needed.
- Assist with tracking and reporting supplier credit limits, including communication with supplier credit contacts to maintain accurate information.
- Partner daily with stakeholders across the business to resolve order-to-cash issues and reinforce compliance with company credit and financial policies.
- Prepare recurring credit metrics, departmental reports, and efficiency measurements, while contributing to process improvements and other assigned projects.
- Provide dependable team support through clear, accurate communication and cross-coverage for other credit personnel when needed.
- Bachelor’s degree in business, finance, accounting, or a related field, or equivalent relevant experience.
- At least 3 years of experience in credit analysis, commercial collections, accounts receivable, or financial statement review.
- Demonstrated ability to interpret financial information and make practical, timely credit recommendations in a high-volume setting.
- Working knowledge of commercial security instruments and familiarity with bankruptcy-related processes in the United States.
- Strong analytical skills with careful attention to detail and a track record of helping reduce delinquent receivables and bad debt.
- Effective written and verbal communication skills, with the ability to build productive relationships with customers and internal business partners.
- Proficiency with Microsoft Office applications, especially Excel, along with experience using credit or ERP-related systems; exposure to GP Dynamics is beneficial.
- Experience in the petroleum or oil and gas services sector is helpful but not required.