Credit Analyst

Overview : The Credit and Collections Analyst plays a vital role in supporting the Credit Department by ensuring timely and accurate financial analysis, credit risk assessment, collections management, and order release decision-making. This role is key to maintaining strong customer relationships, minimizing credit risk, and supporting business growth through informed credit practices. Key Responsibilities : Analyze and spread financial statements for new and existing customers to support credit limit decisions in alignment with sales objectives. Maintain comprehensive and audit-compliant credit files, including documentation required for trade credit insurance claims. Collect, organize, and review supporting documents for credit evaluations, maintaining clear communication with internal stakeholders. Conduct both quantitative and qualitative credit risk assessments, including credit report reviews and, when necessary, customer site visits. Investigate and resolve past-due accounts by analyzing payment trends and collaborating with Sales and Credit Managers. Support daily order release processes using sound judgment to balance risk management with customer service requirements. Generate timely accounts receivable reports, aging summaries, bad debt provisions, and other key management reports. Administer trade credit insurance processes, including internal claim preparation and policy compliance. Build and maintain strong working relationships with cross-functional teams and external partners. Represent the company in a professional manner in all external communications. Qualifications : Bachelor’s degree in Finance, Accounting, or a related field. 1–5 years of experience in credit risk, collections, or a finance-related role; experience in commodities is a plus. Prior experience working with trade credit insurance providers is an advantage. Strong analytical, communication, and problem-solving skills. Proficient in Microsoft Office (Excel, PowerPoint, Word); SAP or ERP experience preferred. Ability to multitask, prioritize effectively, and meet deadlines in a fast-paced environment. Fluent in English, both written and spoken.