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
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