Credit Analyst

Summary

Join SanMar as a Credit Analyst and contribute to business growth while managing financial risk. You will review credit applications, analyze financial statements, and communicate with customers and internal teams. Responsibilities include negotiating credit terms, monitoring customer accounts, and providing reports. The ideal candidate possesses 4-6 years of relevant experience, strong analytical and communication skills, and the ability to work both independently and collaboratively. SanMar offers a competitive salary, bonus potential, comprehensive benefits, and paid time off.

Requirements

• 4-6 years of related credit or account receivable experience or equivalent education
• Experienced in risk management and decision making
• High level of competency with computer and software applications
• Excellent communication skills
• Excellent time management and organization skills; to effectively reach goals of team, department and company
• Strong negotiating skills – ability to achieve positive results
• Ability to communicate effectively with diplomacy and tact
• Ability and willingness to learn
• Strong analytical and problem-solving skills
• Must be able to work as part of a team and be self-directed with minimal supervision
• Approachable and flexible, demonstrating the ability to change directions quickly and positively, recognizing opportunities to reach mutually beneficial solutions

Responsibilities

• Review credit applications, pulling credit reports, requesting trade references, financials statements and other information necessary to make credit decisions within assigned guidelines that promote customer sales growth while managing risk within SanMar’s guidelines
• Review existing customer credit files to promote sales growth while managing risk, requesting and evaluating financial statements, account history, competitor analysis, and additional options that may be required to facilitate such as personal guaranty’s and letters of credit
• Communicate with SanMar’s customers to learn more about their business, request information, negotiate and provide options that may assist with achieving mutually successful results
• Communicate with SanMar’s internal teams, sharing results of credit reviews, provide guidance as necessary to assist those teams in their efforts that are impacted by the credit review
• Review Custom orders, determining deposits and terms for these orders, maintaining custom order record keeping in the custom order log
• Monitor and provide reporting on specific customers and customer segments
• Maintain customer account information in SanMar’s databases
• Perform other duties as assigned
• Comply with all policies and standards

Benefits

• Salary Range: You`ll earn between $25.00 - $33.65 (WA, NJ); $23.00 - $30.96 (MN, NV, TX, VA); $21.50 - $28.94 (AZ, ID, FL MT, OH, TN) on an hourly basis, depending on experience
• Bonus: You`ll be eligible for an annual discretionary bonus up to 5% of base salary
• Paid Time Off: You`ll accrue paid time off on a weekly basis based on hours worked up to 112 hours per year to start. Employees also receive 8 paid holidays and 1 paid family day off
• Comprehensive medical, dental, and vision benefits
• 401k plan and matches $1 for $1 up to 4% of earnings, matched & vested at every pay cycle
• Life insurance
• Short/long-term disability coverage
• Paid maternity/paternity leave
• Pet insurance