Credit Specialist

Description Our client is looking for a detail-oriented Credit Specialist to support commercial credit and collections activities in Houston, Texas. This position focuses on evaluating customer credit information, helping manage account risk, and promoting timely payment across business accounts. The ideal candidate brings strong analytical ability, sound judgment, and at least 3 years of relevant experience in credit analysis and commercial collections.

Responsibilities:

• Review commercial credit applications and assess customer financial information to support informed credit decisions.
• Monitor account performance and payment trends to identify risk, recommend credit actions, and maintain healthy receivables.
• Work directly with business customers to resolve outstanding balances and drive effective commercial collection efforts.
• Maintain accurate credit records, account documentation, and supporting analysis within internal systems.
• Partner with sales, customer service, and finance teams to address account issues and support credit-related inquiries.
• Evaluate credit limits and payment terms based on account history, financial data, and overall risk exposure.
• Follow up on overdue invoices, negotiate payment arrangements when appropriate, and escalate concerns as needed. Requirements
• 3+ years of experience in credit analysis, commercial credit, or business-to-business collections.
• Demonstrated ability to review credit applications and interpret financial and account information.
• Working knowledge of commercial collections practices and accounts receivable risk management.
• Strong analytical, organizational, and problem-solving skills with close attention to detail.
• Effective written and verbal communication skills for interacting with internal teams and external customers.
• Proficiency with standard business systems and spreadsheets used for credit tracking and reporting.

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