Factoring Credit Analyst

Bison Payments is looking for a Factoring Credit Analyst to evaluate the creditworthiness of account debtors across our commercial factoring portfolio. The Credit Analyst is a key part of the underwriting and portfolio management process, responsible for determining the credit quality of the businesses whose invoices we purchase — and for setting appropriate concentration limits, approval thresholds, and exposure guidelines. A significant portion of our portfolio serves the oil and gas sector, so familiarity with upstream, midstream, and oilfield services credits is a meaningful advantage.

ESSENTIAL FUNCTIONS

• Conduct credit reviews on new and existing account debtors
• Pulling and interpreting business credit reports, trade references, and publicly available financial data
• Analyze debtor payment history, aging trends, and industry risk — with particular attention to oil and gas operators, E&P companies, midstream operators, and oilfield service contractors
• Assess how commodity price cycles, rig count trends, and operator cash flow affect debtor payment behavior and credit quality
• Assign credit limits and flag concentrations or deteriorating credits for senior review
• Work closely with the originations and portfolio management teams to support onboarding of new clients and ongoing monitoring
• Maintain credit files and document findings in accordance with internal policy
• Perform other duties and various special projects as assigned

JOB REQUIRMENTS

• Bachelor’s degree in Business, Finance, or related field preferred
• 2–4 years of experience in commercial credit, accounts receivable finance, factoring, or a related lending environment
• Prior exposure to oil and gas credits — whether at a bank, oilfield services lender, factoring company, or energy-focused ABL shop — is strongly preferred
• Strong working knowledge of business credit bureaus (Dun & Bradstreet, Experian Business, etc.) and trade payment data
• Ability to read an operator's f...