Job Summary
Credit Analyst
Department: Credit Department
Reports To: Credit Manager
FLSA Status: Non-Exempt
Company Summary
EMJ is a leading supplier of Steel and Aluminum Bar, Tubing, and Plate to manufacturing companies in North America and around the world. Our broad network of facilities, superior inventories, extensive value-added processing capabilities, and world-class technology enables EMJ to provide unsurpassed service to our customers.
Job Summary
The Credit Analyst is responsible for evaluating customer creditworthiness, monitoring account performance, and supporting the company's credit and collections processes. This role analyzes financial and credit information to assess risk associated with extending commercial credit, monitors customer payment activity, and works collaboratively with customers and internal departments to resolve account discrepancies and maintain healthy accounts receivable balances.
What We Offer
Physical Requirements
Stand or Sit(Stationary position), Walk(Move, Traverse), Talk/hear(Communicate, Detect, Converse with, Discern, Convey, Express oneself, Exchange information), See (Detect, Determine, Perceive, Identify, Recognize, Judge, Observe, Inspect, Estimate, Assess), Reaching, Use hand/fingers to handle or feel (Operate, Activate, Use, Prepare, Inspect, Place, Detect, Position)
Function in the Job
Sedentary Work- Exerting up to 10 pounds of force occasionally, and/or a negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally, and all other sedentary criteria are met.
Job Function
Essential Job Duties
Analyze credit and financial information to evaluate risk associated with extending commercial credit to customers.
Review credit applications, financial statements, trade references, and related documentation to support credit decisions.
Perform periodic reviews of existing customer accounts to assess current financial condition and credit risk.
Monitor accounts receivable aging and identify delinquent or high-risk accounts.
Contact customers regarding overdue balances and follow up on outstanding payments.
Research, reconcile, and resolve billing discrepancies, payment issues, and account disputes.
Maintain accurate and detailed records of customer communications, payment arrangements, and account activity.
Collaborate with Sales, Customer Service, Shipping, Accounting, IT, and other departments to resolve account-related issues.
Assist with account maintenance and updates within company systems.
Support collection efforts while maintaining professional customer relationships.
Prepare reports and account analyses as requested by management.
Maintain confidentiality of financial and customer information.
Follow company credit policies, procedures, and internal controls.
Assist with special projects and other duties as assigned.
Non-Essential Job Duties
Assist with departmental administrative tasks as needed.
Support audit requests and documentation gathering.
Provide backup support to other finance and accounting team members.
Perform additional duties assigned by management.
Required Skills
Qualifications
High school diploma or equivalent required.
Associate's degree in Accounting, Finance, Business Administration, or a related field preferred.
Bachelor's degree in Accounting, Finance, Business Administration, Economics, or a related field preferred.
Previous experience in credit, collections, accounts receivable, accounting, customer service, or related financial functions preferred.
Experience reviewing financial information and customer account activity preferred.
Experience working with ERP systems and financial software preferred.
Strong analytical and problem-solving skills.
Understanding of basic accounting principles, including debits and credits.
Strong organizational skills and attention to detail.
Effective verbal and written communication skills.
Professional customer service and telephone skills.
Ability to research, reconcile, and resolve account discrepancies.
Ability to maintain confidentiality of financial and customer information.
Proficiency in Microsoft Office applications, particularly Excel, Outlook, and Word.
Ability to prioritize multiple assignments and meet deadlines.
Ability to work independently and collaboratively in a team environment.