Description:
Position Title
Credit Analyst / Accounts Receivable Accountant
Department
Credit & Risk Management
Reports To
Credit Manager
Position Summary
The Credit Analyst is responsible for evaluating the financial strength, creditworthiness, and risk profile of customers seeking credit with the organization. This position analyzes financial statements, credit reports, cash flow, collateral, and other relevant information to make informed credit recommendations. They work closely with sales, accounting, finance, and operations teams to support profitable business growth while minimizing credit risk. This role includes Accounts Receivable responsibilities including but not limited to setting up and monitoring customer accounts, processing cardtrol transactions, as well as other general accounting duties. The ideal candidate will possess strong analytical skills, sound business judgment, and at least three years of experience in credit analysis, commercial lending, financial analysis, or a related field.
Key Responsibilities
Analyze customer financial statements, tax returns, cash flow statements, and supporting documentation.
Review commercial credit reports and public financial information.
Assess liquidity, leverage, profitability, and repayment capacity using financial ratio analysis.
Monitor existing accounts for changes in creditworthiness and financial condition.
Conduct periodic credit reviews and renewals.
Partner with sales teams and Accounts Receivable to support customer relationships and collections.
Ensure compliance with company credit policies and maintain accurate documentation.
Customer account maintenance
Process AR transactions
Required Qualifications
Bachelor\'s degree in Finance, Accounting, Economics, Agricultural Economics, Business Administration, or a related field.
Minimum 3 years of experience in credit analysis, commercial lending, financial analysis, or risk management.
Strong understanding of financial statement analysis and commercial credit underwriting principles.
Proficiency with Microsoft Excel and financial analysis tools.
Preferred Qualifications
Experience in agribusiness, agricultural lending, grain, energy, or cooperative environments.
Knowledge of UCC filings, collateral evaluation, and secured lending practices.
Key Competencies
Financial Analysis
Credit Risk Assessment
Decision Making
Business Acumen
Attention to Detail
Communication Skills
Problem Solving
Relationship Management
General Accounting
Performance Measures
Quality and accuracy of credit recommendations
Portfolio delinquency rates
Bad debt and credit loss performance
Timeliness of reviews and approvals
Compliance with policies and audit requirements
Requirements:
Bachelor\'s degree in Finance, Accounting, Economics, Agricultural Economics, Business Administration, or a related field.
Minimum 3 years of experience in credit analysis, commercial lending, financial analysis, or risk management.
Strong understanding of financial statement analysis and commercial credit underwriting principles.
Proficiency with Microsoft Excel and financial analysis tools.
PIea56338f156a-5
Employers have access to artificial intelligence language tools (“AI”) that help generate and enhance job descriptions and AI may have been used to create this description. The position description has been reviewed for accuracy and Dice believes it to correctly reflect the job opportunity.
- Dice Id: jobtfeed
- Position Id: ea56338f156a-30632-40986185
- Posted 6 days ago
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