Credit Specialist

The Credit Specialist manages a strategic portfolio of customer receivables, proactively resolving payment issues and optimizing company cash flow. This role ensures compliance with company credit and collection policies while evaluating credit risk through detailed financial analysis to support decisions on new and existing credit lines.

 

Essential Duties and Responsibilities

• Manage end-to-end credit and collections processes, including credit analysis, order review and release, and delinquency risk assessment.
• Drive collection strategies by monitoring open accounts, resolving payment issues, and collaborating with Sales to address discrepancies and disputes.
• Reconcile customer accounts, deductions, chargebacks, and short payments in a timely and accurate manner.
• Maintain detailed documentation of collection activities in accordance with company policies and audit standards.
• Perform daily cash application and General Ledger reconciliations to ensure accurate financial reporting.
• Analyze delinquent receivables and present credit risk findings and recommendations to leadership.
• Support special projects and continuous improvement initiatives within the credit function.

 

Supervisory Responsibilities 

This job has no supervisory responsibilities

 

Education and Experience

·       Bachelor’s degree preferred; an equivalent combination of education and relevant experience will be considered.

·       Minimum of 2–3 years of experience in a similar role with responsibility for credit review, account management, account reconciliation, and resolution of payment discrepancies.

·       Demonstrated experience in customer relationship management, including negotiating payment terms and resolving disputes with professionalism and diplomacy.

 

Qualifications 

To perform this role successfully, the individual must be able to execute each essential duty effectively. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

 

• Strong analytical skills with the ability to interpret complex data, identify root causes, and implement effective solutions.
• Solid understanding of accounting principles and their practical application in credit and collections.
• Demonstrated financial acumen, including analysis of financial statements to assess credit risk and creditworthiness.
• Highly detail-oriented and organized, with the ability to manage competing priorities and meet deadlines in a fast-paced environment.
• Strong customer relationship management skills with ability to navigate sensitive account discussions with professionalism and diplomacy.
• Self-motivated and capable of working independently while collaborating cross-functionally.

 

Technical and Software Skills

To perform this job successfully, an individual should have knowledge of the following software applications:

 

• Proficiency with Microsoft Office
• Working knowledge of ERP & SAP Systems

 

Physical Demands 

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the Customer Account Coordinator will be required to regularly walk, sit and stand; talk and hear, both in person and by telephone; reach with hands; and operate a computer and a calculator. Filing is required, which would require the ability to lift files, open filing cabinets and bend or stand on a stool as necessary. This position requires the ability to occasionally lift up to 15 pounds.

 

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.