Credit Associate BASCO Appliances Portland, OR Job Details Full-time From $24 an hour 21 hours ago Benefits Health insurance Dental insurance 401(k) Flexible spending account Paid time off Employee assistance program Vision insurance 401(k) matching 401(k) 2% match Employee discount Qualifications Certified Notary Public Collections account management Full Job Description Job Overview We are seeking a dynamic and detail-oriented Credit Associate to join our accounting team. In this role, you will play a vital part in assessing creditworthiness, analyzing financial data, and supporting the lending process to ensure sound credit decisions. Your energetic approach and keen analytical skills will help facilitate smooth account processing, risk management, and compliance with industry regulations. This position offers an exciting opportunity to develop expertise in credit analysis while contributing to the success of our organization. Key Responsibilities Evaluate customer credit applications and establish appropriate credit limits and payment terms. Monitor accounts receivable aging reports and identify delinquent accounts, address with the customer, document all correspondence and phone calls. Contact customers via phone, email, and written correspondence to collect past-due balances Research and resolve billing discrepancies, short pay, and invoice disputes Process construction company invoices on various builder portals, adhering to deadlines Weekly reconciliation of progress billing accounts Notarize various documents Recommend credit holds, account suspensions, or credit limit changes based on payment behavior. Maintain accurate customer credit files and documentation Assist with month-end reporting related to accounts receivable and collections, running of interest charges, and statements Ensure compliance with internal credit policies and applicable laws and regulations Support internal and external audits and provide required documentation Report on customer balances to the credit bureau Maintain daily and weekly reporting of deposits and the state of the accounts receivable aging. Organize and maintain all credit documents. Reconcile the profit and loss of each progressive billing customer, and create a template. Report quarterly on customers' credit risk analysis Monthly credit meeting with the Controller and President of the company. Skills Strong knowledge of financial concepts including financial statement interpretation, cash flow analysis, and financial modeling. Proficiency in Microsoft Office Suite, especially Excel for data analysis and financial report writing. Excellent negotiation skills combined with industry knowledge of commercial insurance and mortgage servicing where applicable. Solid understanding of banking operations, lending procedures, and regulatory compliance related to financial services. Ability to perform quantitative research, risk analysis, and fraud prevention techniques with precision. Experience in credit analysis within commercial lending environments, emphasizing risk management and underwriting processes. Effective client communication skills for explaining complex financial information clearly and professionally. Preferred Skills Experience in B2B collections Familiarity with lien laws, UCC filings, or credit insurance (Appliance Industry) Understanding financial statements and customer credit risk analysis Must be a Notary Join us as a Credit Associate to be at the forefront of financial analysis and lending excellence! Your expertise will help shape responsible credit decisions while advancing your career in a vibrant, fast-paced environment dedicated to growth and success.

Pay:

From $24.00 per hour

Benefits:

401(k) 401(k) 2% match Dental insurance Employee assistance program Employee discount Flexible spending account Health insurance Paid time off Vision insurance

Experience:

collections: 3 years (Required)

Work Location:

In person