Senior Credit Analyst

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Position Overview

The Senior Credit Analyst manages a portfolio of customer accounts, partnering with Sales and Operations to optimize accounts receivable (AR) performance while balancing risk and customer experience.

This role is responsible for monitoring key AR metrics—including DSO, ADTP, past due aging, and bad debt—through proactive collections, credit underwriting, and data-driven decisioning. The Senior Credit Analyst evaluates customer financial health using internal and external data sources and recommends credit limits, terms, and risk classifications.

This position serves as an escalation point for complex account issues and plays a key role in improving credit policies, processes, and overall portfolio performance.

Key Responsibilities

Credit Risk & Underwriting

• Evaluate credit risk for new and existing customers using financial statements, D&B, trade references, and industry data
• Recommend credit limits, payment terms, and risk classifications within authority guidelines
• Analyze financials and behavioral data to reduce exposure and minimize bad debt
• Review and approve credit requests; escalate high-risk decisions with supporting analysis
• Assess non-standard payment terms (e.g., Net 60) and complete credit scorecards with Sales
• Structure payment plans aligned with risk level and customer relationship

Accounts Receivable & Collections

• Manage AR aging, DSO, ADTP, and delinquency trends across assigned portfolio
• Drive proactive collections through customer outreach and follow-up
• Resolve payment issues including short pays, disputes, deductions, and returned payments
• Provide documentation (invoices, PODs, statements) to support collections
• Identify at-risk accounts and recommend corrective actions
• Report portfolio risk, trends, and collection performance to leadersh...