Credit Analyst

General Summary:

The Credit Analyst will perform various responsibilities including evaluating new and existing credit accounts, accounts receivables, collections along with other in-depth analysis.

Primary Responsibilities and Duties:

• Process new credit accounts, approvals, initial credit lines and future extensions
• Pull and analyze credit agency reports
• Manage the aging of assigned portfolio
• Review accounts for order releasing
• Communicate with customers regarding accounts
• Research customer requests, issues, errors
• Communicate with sales department regarding accounts
• Perform credit reference inquiries
• Reconciliation of credit and collection accounts
• Process credit card/ACH payments, as needed
• Process refund requests, as needed
• Cross-train in cash application process
• Aid with bankruptcies, as needed
• Prepare reports, as needed
• Ensure delinquency and charge off goals are met
• Complete special projects or other duties as requested

Position Requirements:

• A minimum of five years previous experience in Credit/Collections and Accounts Receivable
• Strong time management and problem-solving skills
• Advanced computer skills and knowledge of Microsoft Excel software, previous sophisticated ERP system experience a plus.
• Ability to prioritize, troubleshoot and coordinate multiple tasks while meeting deadlines in a fast-paced, changing environment.
• Experience with credit application processing and approval
• Knowledge of credit reporting and proven credit analysis
• Experience in handling bankrupt accounts
• Ability to make independent credit decisions with limited supervision
• Excellent verbal and written communication skills and good telephone techniques.
• Proven customer service skills and the ability to resolve problems and prevent customer dissatisfaction while ensuring quality standards are met.
• Commitment to meeting the expectations and requirements of internal and external customers with a good sense of urgency.
• Proven data entry skills, attention to detail, and accuracy.
• Must be collaborative, highly organized, detailed oriented and have successfully proven the ability to manage multiple priorities.
• Demonstrated ability to look for ways to improve and promote quality.
• Ability to think critically and bring fresh perspective and ideas to the team.

Position Competencies:

• Self-driven and motivated individual with excellent planning and organizational skills.
• Proven ability to work in a fast-paced environment, prioritize and perform multiple duties/tasks/responsibilities within defined deadlines.

• Proven precision and attention to detail with a high level of accuracy.
• Ability to work independently as well as with a team.
• Demonstrate a professional and positive attitude, along with excellent interpersonal, written/verbal communication, and listening skills during all internal and external customer interactions.
• Experience identifying problems of varying complexities and finding effective solutions independently.
• Sense of urgency and commitment with strong follow up skills.
• Effectively represents the company and responsive to the needs of internal and external customers.

Working Conditions:

The work of this position is performed in a controlled office environment. This position requires the ability to work under pressure and communicate with a diverse population including other employees, customers, vendors, etc. This position also requires prolonged periods of sitting in a regular seated position as well as the use of general office equipment including phones, printers, computers, (mouse, keyboard, etc.)

The above-noted job description is not intended to describe, in detail, the multitude of tasks that may be assigned but rather to give the associate a general sense of the responsibilities and expectations of his/her position. As the nature of business demands change so, too, may the essential functions of this position.

The McPherson Companies, Inc. is an Equal Opportunity Employer – M/F/Vets/Disabled