Credit Analyst

Summary/Objective:

The Credit Analyst will review the creditworthiness of our customers to determine the risk involved in extending credit and supporting credit decision-making for purchase of our products and services. This role involves collecting and analyzing financial information, processing crediting applications, and evaluating risk to determine appropriate credit limits or terms for both new customers and ongoing customer relationships. The role will be responsible for the set up of new customers and partners with internal teams to ensure timely and accurate set up. The Credit Analyst will partner with accounting leadership, sales and executive leadership in the customer credit review process and ensure overall integrity of the credit portfolio. The role also supports accounts receivable team coverage and supports the Accounts Receivable operations to help ensure timely collections, accurate billing, and providing consistent professional customer experience.

Essential Functions:

Credit and New Customer Account Set Up

• Responsible for maintaining and updating the accounting portion of the new customers site and process.
• Process and review credit applications and all new customer documents. Which includes but is not limited to review of D&B Report, credit references and appropriate searches to determine validity of business.
• Determine the credit worthiness of the business and recommend credit limits appropriate for the forecasted sales.
• Review all proposed credit recommendations for final approval with Accounting Manager.
• Responsible for new customer set up; which includes entering accounting information in the ERP (GUI), including contact information and providing the customer with the welcome package.
• Oversee for accuracy the first customer order in the que.
• Responsible for auditing customer account accuracy in our ERP system (GUI), including any related customer documents on an ongoing basis.

Third Party Tax Setup and Oversight

• Enter Tax Certificates in Avalara and ensure they are set up correctly.
• Monitor expiring certificates in Avalara and work with the AR Team to get new certificates from customers.

Supplier Finance & Payment Management

• Retrieve and process daily payment batches from customer portals to support timely and accurate cash application.
• Monitor, report, and reconcile customer discounts taken against the General Ledger (GL).
• Partner with the Accounting Manager to identify and communicate changes in customer discount practices, discrepancies, and other payment-related issues.
• Oversee credit card (CC) processing and account management.
• Manage the Stripe payment portal, including credit card disputes, chargebacks, and fraud monitoring.

KPI Reporting & Account Risk Review

• Extract, analyze, and compile Accounts Receivable (AR) data to support KPI reporting and account performance reviews.
• Collaborate with the Accounting Manager and AR Representatives to identify, assess, and monitor customer credit risks.
• Provide reporting and relevant account insights to the Sales Team to support informed business decisions.
• Identify trends, potential collection concerns, and accounts requiring additional attention.

Accounts Receivable Team Support

• Provide support to the AR team as business needs arise.
• Take ownership of assigned customer accounts, including account cleanup, payment application, reconciliation, and resolution of outstanding discrepancies.
• Assist with day-to-day AR functions to ensure accurate account balances, timely payment posting, and effective account maintenance.

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Competencies:

• Accuracy and attention to detail
• Problem Solving and account research
• Customer service and communication
• Prioritization and follow-up
• Computer systems, data entry, and customer portals
• Dependability, confidentiality, and judgment

Required Education and Experience:

• High School diploma and or GED equivalent and an associate’s degree within accounting or business-related field or combination of equivalent education and specific work experience.
• 5 years of experience in accounts receivable, credit and collections, or a related financial function within a fast-paced B2B environment.
• Experience managing customer accounts and conducting credit analysis
• Working knowledge of accounts receivable and collection practices.
• Proficiency with Microsoft Office, particularly Excel, Outlook and Adobe PDF.
• Experience working with an ERP, accounting, or collections management system.
• Strong written and verbal communication skills.
• Strong attention to detail and organizational skills.
• Ability to analyze account information, identify discrepancies, and resolve problems independently.
• Ability to manage multiple priorities and meet established deadlines.

Preferred Education and Experience:

• Bachelor's degree within accounting or business-related field.
• Demonstrated proficiency working in business ERP systems or accounting interface systems including but not limited to Coupa, Ariba, Oracle, SAP, or other customer related systems.
• A minimum of 3 years’ experience handling business-to-business or commercial credit and collections.
• Experience with complex or escalated customer accounts.
• Experience with account reconciliation, credit and aging analysis.

Work Environment

• This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

• While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to stand and walk; Ability to sit for long periods of time at a desk. Frequent use of hands to operate the computer and phone

Position Type/Expected Hours of Work

• This is a full-time position. Days and hours of work are Monday through Friday 8:00 a.m. to 5:00pm and work on a hybrid schedule of remote and in office days, p.m. Hybrid schedule is determined by department manager and may change based on the needs of the business.

Travel

• No travel required

Additional Eligibility Qualifications None required for this position. Work Authorization/Security Clearance Position requires the individual to be able to work in the United States. This position would not be eligible for visa sponsorship. AAP/EEO Statement Stauffer Glove and Safety is an EEO/AA/Female/Minority/Veteran/Disability Employer - See more at: http://www.StaufferSafety.com/careers/ Other Duties Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.