Credit Analyst

A busy company in the Lincoln Park area is seeking a Credit Analyst to join their growing company. This Credit Analyst will get the chance to join a growing team that loves promoting within and offers a flexible work schedule. This Credit Analyst will support risk-conscious growth by evaluating customer credit exposure and helping optimize cash flow. This ideal Credit Analyst will have expertise in assessing financial strength, recommending credit capacity, and partnering with commercial and operational teams to support sound business decisions. Other responsibilities of this Credit Analyst will include but not be limited to:

Credit Analyst Responsibilities:

• Oversee a portfolio of strategically important accounts by establishing credit parameters, tracking exposure levels, and taking action to keep risk within approved limits.
• Review financial statements, credit reports, and related data for prospective and existing customers to assess overall credit quality and recommend appropriate credit terms and limits.
• Identify suitable risk protection measures, including guarantees, letters of credit, and collateral arrangements, and coordinate with counterparties to secure and maintain accurate documentation.
• Partner with commercial, contracts, and legal teams to keep agreements current and aligned with the business activity they support.
• Monitor account activity and aging trends to uncover opportunities to accelerate collections, improve liquidity, and escalate delinquency concerns when needed.
• Work across internal functions and with external customers to investigate billing or account disputes and drive timely resolution.
• Continuously evaluate changes in customer financial condition and adjust credit availability in line with projected sales activity and acceptable risk tolerance.
• Prepare recurring credit and exposure reporting to support daily decision-making, portfolio planning, and management review.
• Coordinate with commercial teams to anticipate product movement, forecast exposure, and approve transactions in accordance with established credit standards.
• Support process improvement initiatives and special projects aimed at strengthening controls, increasing team efficiency, and enhancing cash flow performance.

This Credit Analyst position is paying between $100,000 and $115,000 annually depending on experience. If interested in this Credit Analyst role, apply today!