Senior Credit AnalystBegin your Composites One career today!Position Overview:The Senior Credit Analyst manages a portfolio of customer accounts, partnering with Sales and Operations to optimize accounts receivable (AR) performance while balancing risk and customer experience.This role is responsible for monitoring key AR metrics—including DSO, ADTP, past due aging, and bad debt—through proactive collections, credit underwriting, and data-driven decisioning. The Senior Credit Analyst evaluates customer financial health using internal and external data sources and recommends credit limits, terms, and risk classifications.This position serves as an escalation point for complex account issues and plays a key role in improving credit policies, processes, and overall portfolio performance.Key Responsibilities:Evaluate credit risk for new and existing customers using financial statements, D&B, trade references, and industry dataRecommend credit limits, payment terms, and risk classifications within authority guidelinesAnalyze financials and behavioral data to reduce exposure and minimize bad debtReview and approve credit requests; escalate high-risk decisions with supporting analysisAssess non-standard payment terms (e.g., Net 60) and complete credit scorecards with SalesStructure payment plans aligned with risk level and customer relationshipAccounts Receivable & Collections:Manage AR aging, DSO, ADTP, and delinquency trends across assigned portfolioDrive proactive collections through customer outreach and follow-upResolve payment issues including short pays, disputes, deductions, and returned paymentsProvide documentation (invoices, PODs, statements) to support collectionsIdentify at-risk accounts and recommend corrective actionsReport portfolio risk, trends, and collection performance to leadershipPortfolio Management & Business Partnership:Serve as primary credit contact for Sales, Operations, and Customer ServicePartner with Sales to balance revenue growth with credit risk managementParticipate in regular reviews of high-risk or high-value accountsExecute order hold/release decisions per credit policyResolve order issues in coordination with internal teams (Sales, CSR, CAC)Escalate complex account issues to Credit leadership as neededProcess Improvement & Leadership Support:Process account adjustments, credits, and refunds accurately and timelySupport onboarding and training of Credit team membersAct as subject matter resource for credit and collections processesConduct periodic portfolio reviews and identify risk mitigation opportunitiesSupport continuous improvement of credit policies, workflows, and controlsIdentify and drive process improvements across AR and collections functionsRequired Experience:5+ years of credit and collections experience (credit analysis, AR management, delinquency resolution)Strong understanding of accounting, finance, and credit principlesExperience analyzing financial statements and assessing credit riskExperience working with ERP systems and credit toolsTechnical Skills:Microsoft 365 (Excel, Word, Outlook) proficiency requiredExperience with credit platforms (D&B, CreditSafe, Experian, or similar)ERP experience required; SAP S/4HANA a plusEducation & Certifications:Bachelor's degree in Finance, Accounting, Business Administration, or related field preferred (or equivalent experience)NACM certifications (CBA, CBF, CCE) a plusKey Skills:Credit risk analysis & underwritingAccounts receivable & collections managementFinancial statement analysisDSO / ADTP / AR performance managementCustomer relationship managementNegotiation & dispute resolutionCross-functional collaboration (Sales, Operations, Finance)Problem-solving and escalation managementStrong communication and attention to detailAbility to manage multiple priorities in a fast-paced environmentWork Location / Schedule:Hybrid role based out of our corporate office in Schaumburg, IL.Team members work onsite three days per week, including Tuesday and Thursday, plus a third in-office day that is typically Wednesday but may vary based on business needs. Remote work is available on the remaining two days each week.Pre-Employment Requirement:Employment offers are contingent upon successful completion of a drug screen and background check. This requirement is especially critical for safety-sensitive roles.The annual base salary range for this position is $80,000 - $100,000.
The actual pay will be determined based on factors such as location, experience, skills, and qualifications. In addition to the base salary, employees may be eligible for discretionary bonuses and a comprehensive benefits package.Discover a Fulfilling Career:At Composites One, our Team Members are the cornerstone of our success. Each role is essential in helping us provide exceptional service to our Customers. We cultivate a culture of empowerment and opportunity, fostering both personal and professional growth.We believe in driving success and appreciating achievement.
Our Team Members are eligible for annual bonuses and profit sharing because when the company thrives, we all benefit. Join us and be part of a Team where your hard work and dedication are valued, and together, we achieve great things.Respect, Teamwork, and Communication are Woven into our Core Values:Our guiding principle of Respect, Teamwork, and Communication embodies the spirit of our Core Values. We uphold these principles every day as we strive to make a positive impact for our Customers, our Team, and the world around us.Benefits:Explore our comprehensive health, retirement, wellness, and professional growth programs in detail here.Commitment to Diversity, Equity, and Inclusion:At Composites One, all qualified applicants are considered for employment without regard to race, color, religion, sex, national origin, age, marital status, sexual orientation, gender identity, veteran status, disability, or other protected classification as defined by applicable law and regulation.ADA Accommodations:Accommodations are available for applicants with disabilities in all phases of the application and employment process. To request accommodation please contact the ADA Coordinator by email at Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.