POSITION/TITLE: Credit Analyst DEPARTMENT: Credit LOCATION: John Creek REPORTS TO: Accounting Manager POSITION SUMMARY: The Credit Analyst is a customer-facing role responsible for evaluating, establishing, and maintaining customer credit accounts while minimizing financial risk to the organization. This position plays a key role in customer onboarding, credit analysis, and ongoing account maintenance, including credit limit recommendations, financial review, and compliance with company credit policies. RESPONSIBILITIES/DUTIES: • Serve as the primary point of contact for the credit department inbox, responding to internal and external inquiries in a timely and professional manner. • Evaluate and establish new customer accounts, including credit analysis, financial review, and credit limit recommendations. • Gather and analyze financial statements, credit reports, and trade references to assess customer creditworthiness and minimize risk. • Set up and maintain accurate customer records within the ERP system (IFS). • Request and manage approvals for new accounts and credit limits in accordance with company policy. • Apply for and manage credit insurance coverage, including working with providers (e.g., Euler Hermes) and filing claims when necessary. • Collect and maintain sales tax exemption certificates and required customer documentation. • Communicate directly with customers to obtain required documentation, resolve discrepancies, and support account setup. • Monitor statement generation to ensure customers receive accurate invoices and resolve delivery issues (e.g., returned or “kicked back” emails). • Maintain accurate and organized customer credit files, ensuring all information is current and complete. • Process customer payments, including credit card transactions when needed. • Collaborate with Sales, Customer Service, Accounting, and leadership to support customer onboarding and account management. • Participate in regular credit team meetings and provide updates on account status and risk exposure. • Assist the Credit Manager with reporting, credit insurance updates, and process improvements. • Support lien waiver processing and verification activities. • Serve as backup for collections activities and assist the Collections & Risk Analyst as needed. • Ensure all activities are conducted in compliance with company credit policies and procedures. EDUCATION AND EXPERIENCE REQUIREMENTS • Bachelor’s degree in Finance, Accounting, Business, or related field (or equivalent experience). • 3–5+ years of experience in credit analysis, accounts receivable, or a related field. KNOWLEDGE SKILLS AND ABILITIES • Excellent written and verbal communication skills, with the ability to interact across all levels of the organization, including senior leadership. • Strong analytical and problem-solving skills with attention to detail. • Customer-focused mindset with the ability to manage sensitive financial discussions professionally. • Ability to prioritize, organize, and manage multiple responsibilities independently. • Strong teamwork and collaboration skills. • Solid understanding of financial statements, including balance sheets, income statements, and cash flow analysis. • Experience with credit reporting tools and financial analysis. • Knowledge of credit insurance processes and providers (e.g., Euler Hermes). • Familiarity with sales tax documentation, including exemption certificates. • Understanding of legal and financial documents such as guarantees, security agreements, and lien processes. • Experience with ERP systems (preferably IFS). • Proficiency in Microsoft Office, especially Excel.