Credit Analyst

Looking for an amazing opportunity with a fun, team?  This position is responsible for assistance in managing customer credit accounts and evaluating, processing, and deciding credit applications for credit privileges at Western States Equipment. This role also monitors and updates existing credit accounts according to the Credit Policy and assists the Credit Manager with assigned credit responsibilities. Overall, this position is responsible for providing excellent service to customers, external as well as internal.

ESSENTIAL FUNCTIONS:

 Administration and Customer Management

• Reviews incoming credit applications for proper signatures, requests credit bureau reports, obtains bank and trade references as needed, and conducts thorough research on customers.
• Analyzes customer credit applications to assess credit worthiness and establishes appropriate customer credit limits for new accounts within policy guidelines.
• Reviews customer orders on credit hold for release or cancellation.
• Manages assigned customer accounts for administration and enforcement of credit and collection policies.
• Calls on assigned customers for collection when needed via telephone, email, and letters.
• Records information about financial status of accounts and status of collection efforts.
• Updates assigned customers’ accounts and files periodically to ensure accurate files and credit terms.
• Runs credit card payments for call in customers.
• Establishes and maintains relationships with external and internal customers and provides assistance with any issues that may arise.

Reporting and Analysis

• Provides customer credit reference information to other companies upon request.
• Prepares accurate credit/risk reports and account analysis for division and management review.
• Assists in filing and searching Uniform Commercial Code (UCC) documents and mechanic liens as needed.
• Reconciles assigned customer accounts.
• Verifies tax status of customer accounts and reviews address corrections/changes.
• Provides notary services to Western States.
• Works within, communicates, and promotes corporate and department strategy, vision, mission, and values.
• Adheres to all customer care standards.
• Actively cares and advocates safety at Western States and adheres to all applicable safety policies, procedures and standards.
• May accomplish training and serve as a team member in support of Western States’ strategic programs, projects, and initiatives.
• Works within and promote corporate vision, mission, and values of the organization.
• Performs other duties as assigned.

KNOWLEDGE SKILLS AND ABILITIES:

• Basic knowledge, skills and abilities, behavioral attributes, and experience to contribute to the administration of the credit function and ensure compliance with established policies, procedures, laws and regulations.
• Thorough knowledge of and demonstrated ability to apply math computation skills.
• Exceptional customer service and relationship-building skills.
• Must be self-starter with a strong sense of urgency to meet the challenges of a fast-paced business environment.
• Consistent attendance.

EDUCATION AND EXPERIENCE:

• Proof of high school diploma or General Education Degree (GED).
• Bachelor's Degree in a finance discipline preferred.
• 0-1 year of experience with a Bachelor’s degree or 2 years minimum experience required without a Bachelor’s degree.
• Work experience must be in credit, customer services, collections, and/or financial statement analysis.
• Previous work experience must be progressively increasing in responsibility and accountability and demonstrate an ability to gain knowledge, skills and responsibility such that a level of full competency can be reached.
• Requires fundamental knowledge of finance and accounting, analytical skills, excellent customer service skills, and experience with various types of software programs, including spreadsheets and general ledger systems.
• Must be able to communicate (speak, read, comprehend, write in English) in person and via telephone.

PHYSICAL CHARACTERISTICS:

• Must be able to sit for long periods of time along with walking, standing, climbing stairs, reaching pushing, pulling, leaning and twisting.
• Must be able to meet all safety requirements for applicable safety policies.

SUCCESS AT WESTERN STATES:  Western State’s culture is based on passion for our Vision, Mission, and VALUES. We are fiercely committed to SAFETY and sending every employee, safely home, every day. We strive for EXCELLENCE in all we do and are proud to be a “play to win” organization. We act with INTEGRITY in each and every decision we make. Our People and TEAMWORK drive a fun and engaging culture. We are ACCOUNTABLE as individuals and as an organization.

 Safety

• Actively cares, promotes, manages, and advocates safety at Western States.  As a leader and team member in the organization, it is critical to ensure all employees, vendors, and clients have a safe work environment while adhering to all applicable safety policies, procedures, and standards.
• Maintains clean/clutter free personal work areas to ensure safe environments for all WSECO employees.
• Adhering to required personal protective equipment (PPE) as identified in safety policy.

Disclaimer: The above statements are intended to describe the general nature and level of work being performed by employees assigned to this classification. It is not intended be an exhaustive list of all responsibilities, duties, and skills required of employees in this classification.