Credit Specialist

The Credit Specialist is an essential tactical player in safeguarding the company’s assets while facilitating sales growth. Reporting to the Credit Manager, this role is responsible for the day-to-day execution of the credit granting process, actively reviewing existing customer accounts, and assisting in the assessment of potential customers. This position demands a high level of accuracy, a customer-centric approach to collections, and the ability to collaborate cross-functionally to support the optimization of sales while keeping bad debt losses to a minimum.

Responsibilities

Credit Decisioning: Evaluate the initial creditworthiness of new and existing customers by processing credit applications, pulling credit reports, and gathering necessary financial statements and industry data for management review; Policy Enforcement: Execute daily credit operations with strict adherence to established credit and collection policies, ensuring a constant balance between risk mitigation and business growth; Account Reconciliation: Investigate and resolve customer account discrepancies, including unapplied cash, short payments, credit memos, and misapplied funds, ensuring the accuracy and integrity of the accounts receivable ledger; Workflow & Task Management: Efficiently manage daily assigned tasks and system queues, taking ownership of designated portfolios and routing specific action items or escalated cases to appropriate internal departments; Relationship Management: Collaborate closely and professionally with the Sales Department to gather required documentation, communicate account statuses, and support the smooth onboarding of key accounts; Compliance: Ensure all individual credit and collection activities comply with local, state, and federal regulations, as well as internal SOX control requirements and Segregation of Duties (SoD)

Requirements

Minimum of 3-5 years of relevant experience in credit, collections, or accounts receivable management; Bachelor's degree in Finance, Accounting, Business Administration, or equivalent practical experience; Working knowledge of reviewing financial statements and utilizing commercial credit reports (e.g., DUNS reporting) to assess basic creditworthiness; Demonstrated hands-on experience navigating workflows in CRM and ERP systems; Proven ability to perform complex account reconciliations and resolve billing disputes accurately; Familiarity with maintaining strict audit trails and understanding basic SOX control environments in the Order-to-Cash (O2C) cycle; Excellent written and verbal communication skills for effective, tactful collaboration with internal Sales teams and external clients; High attention to detail, strong organizational skills, and the ability to manage high-volume transactional work accurately in a fast-paced environment

Nice to have

Manufacturing or B2B technology environment; Salesforce (SFDC) and Intacct experience