Credit Analyst
Position Summary
Reporting to the Operational Accounting Manager, the Credit Analyst is responsible for supervising and managing activities related to the granting of credit, while ensuring that financial risks are properly assessed and controlled.
Job Responsibilities
- Establish credit limits for new customers and revise those for active customers;
- Establish the deposit amount required for contracts that require it, based on the customer’s credit experience;
- Obtain credit inquiries on customers;
- Proactively monitor credit risk and minimize exposure to bad debt;
- Ensure the follow-up and collection of accounts receivable;
- Negotiate payment arrangements with customers in compliance with internal credit rules;
- Research, investigate and resolve accounts receivable issues – including unapplied or erroneously applied payments;
- Resolve problems by communicating effectively by phone and email with internal and external clients;
- Proactively review and release all pending orders;
- Reconcile problematic accounts;
- Record all information related to collection, credit and all other information related to customers in the computer system, so that this information is accurate, up-to-date and accessible to all;
- Proceed with the entry of customer payments and proceed with debit and credit card payments;
- Participate in the year-end process;
- Production and distribution of weekly and monthly reports;
- Perform various related tasks related to credit, collection and accounts receivable;
- Management of the mailbox and redistribution to the team.
Education and experience required
- Undergraduate degree in finance, accounting, economics, or business;
- 3-5 years of practical experience in financial risk analysis, borrower creditworthiness assessment, and credit decision-making.
Key skills required
- Knowledge of accounting standards and financial regulations;
- Comfortable with the use of credit management and automation software tools;
- Able to communicate effectively with the team, management, customers, and other stakeholders.
Starting salary : 57,000$ annually
