1,800 Credit Analyst jobs in the United States

• Collaborate with portfolio managers to conduct bottom-up fundamental research and identify key drivers when conducting company, industry, collateral or structural analysis
• Contribute to the preparation of detailed reports including credit reviews and initiations, earnings and/or collateral updates, relative value analysis, and industry reviews
• Build and maintain financial models, spreadsheets and other quantitative tools to support senior analysts, portfolio managers and traders where appropriate
• Monitor portfolio holdings and market developments to identify potential risks and opportunities
• Participate in team meetings and discussions, sharing insights and perspectives on credit market trends
• Support the investment team on special projects as necessary
• Ensure consistency of investment views across multiple different strategies with varying objectives

• Bachelor's degree, with some experience in financial services, particularly in credit analysis
• Highly detail oriented, with excellent verbal, written and interpersonal communication skills
• Demonstrated experience with applications as Microsoft Excel, and exposure to market research tools such as Bloomberg and Factset
• Strong quantitative and analytical skills
• A passion for markets and investing
• The ability to work independently in a fast-paced, trading-oriented team environment

• Progress towards CFA

JobCredit Analyst

Credit Analyst

SUMMARY:

Position will be responsible for maximizing cash receipts enabling continued sales growth. Working with internal business units to manage and identify potential risks of current and future customers both domestic and international.

RESPONSIBILITIES:

Duties of the Credit Analyst include but are not limited to, managing the receivables on assigned accounts. This includes the following roles:

• Collection and maintenance of assigned accounts.
• Evaluate, recommend, and manage credit exposures.
• Set up and maintain customer master records including new accounts and change of ownerships.
• Working with customer and business units to resolve/reconcile short-pays, pricing claims, and other miscellaneous deductions/disputes.
• Provide management with the defined reports and metrics as requested.
• Work with customers, schedulers, and billings to resolve any issues that may delay payments. This would include past due accounts, slow payment trends, disputed claims, etc.
• Identify accounts for escalation and monitor status throughout the escalation process.
• Troubleshoot and resolve claims, short-pays, and charge backs on assigned accounts.
• Review application of payments and submit change(s) required to maintain current and accurate account balances.
• Application of credit memos to related open items on customers account.
• Perform activities related to month end closing, such as bad debt write-offs and reporting to management and/or business units.
• Recommend action plan for delinquent accounts.
• Document all activities and communication relating to customer accounts. Maintain high level of customer confidentiality at all times.
• Other duties as assigned.

REQUIRED SKILLS/QUALIFICATIONS:

• Intermediate to advanced skills with Microsoft Office
• Excellent customer service and the ability to take initiative.
• Strong negotiation and interpersonal skills.
• Strong analytical and problem-solving skills.
• Strong written and verbal communication skills.
• Must be highly organized and able to work in a fast-paced environment.

DESIRED SKILLS:

• One year of accounts receivable experience.
• Good working knowledge of ERP systems like SAP.
• Ability to utilize Excel pivot tables.
• Experience with collections systems like GetPaid.
• Ability to think out of the box

We offer competitive pay and benefits program including medical, dental & vision coverage, vacation & sick leave, 401(k), and more.

Diversity Statement

Deluxes policy is to provide equal employment opportunities to all applicants and employees. Applicants will receive consideration for employment without regard to, and will not be discriminated against, on the basis of race, color, religion, creed, national origin or ancestry, sex, age, physical or mental disability, veteran status, sexual orientation, gender identity or expression, genetic information or any other legally recognized protected basis under federal, state or local laws, regulations or ordinances. Deluxe will consider qualified applicants with criminal histories in a manner consistent with the requirements of applicable local, state and federal law.

Applicants with disabilities may be entitled to reasonable accommodation under the terms of the Americans with Disabilities Act and certain state or local laws. A reasonable accommodation is a change in the way things are normally done which will ensure an equal employment opportunity without imposing undue hardship on Deluxe. Please inform the company's personnel representative if you need assistance completing any forms or to otherwise participate in the application process.

This role is based in Burbank, California or Wilmington, Ohio and the base pay range for this role is $24.00 - $25.84 per hour. Actual amounts will vary depending on education, skills, experience, and geographic location

Position Summary

The Credit Analyst is a member of the corporate credit research team within the Fixed Income Group in the Los Angeles office. This role reports to the Head of Credit Research and works closely with other investment professionals in a team-oriented, trading floor environment. The Credit Analyst generates investment recommendations for our investment grade, high yield and bank loan portfolios within their coverage sectors. Specific sector coverage will be determined during the interview process but experience in telecommunications, satellite, cable and media may be advantageous. In addition to proven credit analysis expertise, the candidate must possess highly professional communication skills to effectively present memorandum to credit committee.

• Present detailed investment memorandum including industry analysis, financial projections, credit analysis, covenant reviews, valuation analysis, relative value analysis, recovery analysis and investment recommendation
• Create and maintain financial models and databases, which are used to monitor and analyze both existing and prospective investments
• Compile industry and company data from a broad array of sources, such as regulatory filings, sell-side research, external databases, trade journals, and industry sources
• Maintain industry scorecards and relative value frameworks
• Conduct meetings and sustain relationships with management teams, sell-side analysts, rating agency analysts and industry experts
• Monitor and synthesize news flow, company announcements, and industry reports related to portfolio investments
• Evaluate new issue investment opportunities

• Minimum 6 years of buy-side or sell-side research and/or investment banking experience
• Bachelors Degree from a competitive university or college with strong academic performance and relevant coursework
• Excellent finance, accounting and math skills
• Solid proficiency with Bloomberg, Excel, Word and PowerPoint

• Diligent, hard-working, responsible, willing to work both in a team setting and independently, and have proven these characteristics
• Strong verbal and written communication skills
• Strong work ethic and uncompromising attention to detail
• Proven ability to work in a fast-paced environment and remain organized and productive under challenging time constraints
• Initiative to complete tasks and enhance output under limited supervision
• Entrepreneurial attitude, intellectual curiosity, creativity to identify investment opportunities

• Graduate degree and/or CFA designation preferred; or, equivalent work experience

Estimated Compensation:

Base Salary: For CA based position, the base salary range is $200k-$250k. This represents base salary range only.

Other Compensation :In addition to the base salary, this position will be eligible to be considered for an annual discretionary bonus.

Benefits : Eligible for TCWs comprehensive benefits package. See more information here.

Welcome to Ryerson, where exceptional career opportunities await. As a leading provider of industrial metal products and services since 1842, we are committed to excellence and best-in-class customer service. Join our team and be a part of a legacy of excellence, where your contributions will be valued, and your development supported. Ryerson offers a dynamic, quality-focused, environment, ideal for advancing your career and making your mark in the metals industry.

As a Credit Analyst you are responsible for making independent decisions, is customer-centric (internally and externally), and able to communicate and interact with all levels and departments within the Ryerson organization.

• Maintaining or improving the accounts receivable portfolio for assigned branches, and all the adjunct responsibilities that go with managing the AR portfolio (credit reviews, limit increases/decreases, held orders, placement for collection/legal, and concise communication of expected results)
• Pro-active approach to managing priorities
• Comprehensive understanding of commercial credit law
• Ability to drive results through continuous improvement
• Perform multiple tasks, achieve desired results and meet required deadlines on all tasks
• Demonstrated ability to perform within a team environment and add to the overall success of the team
• All other duties as assigned or duties, responsibilities, and activities may change at any time with or without notice

• High School Diploma or GED required; NACM designation preferred.
• Ability to work independently and manage multiple priorities effectively
• Able to work remotely and make periodic visits to a Ryerson location.
• Time management skills & self-discipline
• Demonstrated responsible credit experience, preferably in an industrial and/or service environment
• Working knowledge of MS-Office Suite applications (MS-Excel, MS-Word and MS-Outlook)
• Able to perform job duties under stressful conditions

Salary: 51,352.18- 77,028.28 annually plus additional sales incentives. A starting salary higher than 51,352.18 is based on a level of experience and education that significantly exceeds the minimum requirements and is commensurate with the compensation scale.

#LI-RS1

We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex (including gender identity, sexual orientation or preference, and pregnancy), age, national origin, religion, disability or genetic information, marital status, status as a veteran, or any other federal, state or local protected class or artificial barrier.

A Credit Analyst assists in protecting the financial assets of the company within CED Credit Offices. The desired candidate will use discretion and independent judgment to investigate credit granting, manage a portfolio of receivable accounts, and review and execute legal documents on the behalf of CED. The ideal candidate requires self-motivation, must prioritize effectively, and work successfully with minimal supervision.

REPORTS TO: Credit Manager

MINIMUM QUALIFICATIONS:

• Proficiency with MS Excel
• Experience in credit and collections
• Excellent ability to read, write, and speak English

PREFERRED QUALIFICATIONS:

• College degree - will consider related experience in lieu of degree
• Proficiency with Microsoft Office Suite software
• Detail oriented
• Ability to solve problems
• Must be a self-starter who can handle a heavy volume of work and be able to handle multiple tasks at the same time

WORKING CONDITIONS:

• Largely sedentary role in an office environment
• Routine use of office equipment such as computers, phones, photocopiers, filing cabinets

SUPERVISORY RESPONSIBILITIES: NO

ESSENTIAL JOB FUNCTIONS:

• Be able to manage a large accounts receivable portfolio which includes negotiating, financial review, and creating plans of action with customers and the Division Credit Manager.
• Recommend best method of collection on delinquent accounts in collaboration with the Division Credit Manager and PC Manager.
• Ability to review credit applications for credit granting, and establishing six figure credit limits.
• Escalating collection activities as required by business circumstances.
• Assisting the Division Credit Manager to maintain and enforce CEDs lien and bond rights for secured projects.
• Using experience and customer knowledge to determine the proper time to place accounts on credit hold in collaboration with the Division Credit Manager and PC Manager.
• Face-to-face customer meetings to establish and maintain strong relationships with customers and PC Managers.
• Negotiating differences with customers and making arrangements for payment and dispute resolution.
• Presenting payment, status, plan, reports, and information to management for quarterly credit meetings.
• Maintaining professional relationships with Managers and external customers.

NOTE: Because positions may evolve due to the needs of the business, this job description may not list all essential functions and is not designed to contain a comprehensive listing of all required activities, duties, or responsibilities. Other essential functions, duties, responsibilities, and activities may be assigned at any time; with or without notice.

CED is an Equal Opportunity Employer - Disability | Veteran

ABOUT CED:

CED is one of the largest electrical solutions distributors and product suppliers in the country, specializing in residential, commercial, industrial and solar projects. We put power directly into the hands of managers at each of our locations across the country, giving them the chance to make decisions best aligned with their city, clientele and unique circumstances.

• Seniority level Entry level

• Employment type Full-time

• Job function Finance and Sales
• Industries Wholesale

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Position Summary

The Credit Analyst is a member of the corporate credit research team within the Fixed Income Group in the Los Angeles office. This role reports to the Head of Credit Research and works closely with other investment professionals in a team-oriented, trading floor environment. The Credit Analyst generates investment recommendations for our investment grade, high yield and bank loan portfolios within their coverage sectors. Specific sector coverage will be determined during the interview process but experience in telecommunications, satellite, cable and media may be advantageous. In addition to proven credit analysis expertise, the candidate must possess highly professional communication skills to effectively present memorandum to credit committee.

Essential Duties

• Present detailed investment memorandum including industry analysis, financial projections, credit analysis, covenant reviews, valuation analysis, relative value analysis, recovery analysis and investment recommendation
• Create and maintain financial models and databases, which are used to monitor and analyze both existing and prospective investments
• Compile industry and company data from a broad array of sources, such as regulatory filings, sell-side research, external databases, trade journals, and industry sources
• Maintain industry scorecards and relative value frameworks
• Conduct meetings and sustain relationships with management teams, sell-side analysts, rating agency analysts and industry experts
• Monitor and synthesize news flow, company announcements, and industry reports related to portfolio investments
• Evaluate new issue investment opportunities
  
  

• Minimum 6 years of buy-side or sell-side research and/or investment banking experience
• Bachelors Degree from a competitive university or college with strong academic performance and relevant coursework
• Excellent finance, accounting and math skills
• Solid proficiency with Bloomberg, Excel, Word and PowerPoint
  
  

• Diligent, hard-working, responsible, willing to work both in a team setting and independently, and have proven these characteristics
• Strong verbal and written communication skills
• Strong work ethic and uncompromising attention to detail
• Proven ability to work in a fast-paced environment and remain organized and productive under challenging time constraints
• Initiative to complete tasks and enhance output under limited supervision
• Entrepreneurial attitude, intellectual curiosity, creativity to identify investment opportunities
  
  

• Graduate degree and/or CFA designation preferred; or, equivalent work experience
  
  

• Seniority level Mid-Senior level

• Employment type Full-time

• Job function Analyst and Finance

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Our client, voted by their employees as one of the "Best Places to Work" in the North Bay Business Journal, is seeking a Credit Analyst to join their Construction Lending team in Novato, California.

Essential Duties:
With guidance/oversight:
•Support loan officers with partial preparation of Credit Recommendations.
•Review loan project file for missing items; contact borrowers for necessary missing information prior to ordering loan documents.
•Prepare orders to draw based on approved Credit Recommendation and loan officer instructions.
•Assist Senior Construction Loan Administrator with disbursements and draw requests and other duties as needed.
Independently:
•Utilize loan accounting system to research loan activity.
•Maintain tickler database and, in coordination with lenders, contact customers requesting necessary financial information etc. prior to due date.
•Using analytical abilities and established spreading guidelines, accurately translate basic financial reporting of business and personal entities into bank-standard format for further analysis.
•Accurately order and interpret credit background information such as Equifax, Lexis Nexis reports, etc.

• Knowledge of Abrigo (Loan Origination System) preferred.

Our client, a water technology provider, is seeking a Credit Analyst for a 6+ contract opportunity. This role is hybrid, and the candidate must be local to Charlotte, NC; Marlton, NJ; Tewksbury, MA; or Uniontown, PA. The candidate must be onsite Tuesday and Wednesday.

Seeking a well-rounded, detail-oriented, and analytical Credit Analyst with strong Order-to-Cash experience to join our Finance team. This role is ideal for someone with a solid background in credit, cash application, and collection analysisall within an industrial business environment (e.g., water, construction, or manufacturing). The Credit Analyst will be responsible for evaluating and managing credit risk for new and existing customers, enforcing company credit policies, and supporting overall cash flow optimization. This is a highly collaborative role requiring cross-functional coordination and proactive risk assessment.

• Perform credit reviews for new and existing customers using financial analysis and global credit bureau data (e.g., D&B, Moody's, Credit Safe).
• Conduct comprehensive credit risk profiling and ensure compliance with SOX and internal policies.
• Evaluate credit applications, recommend credit limits and payment terms, and enforce adherence to company credit policies.
• Approve credit limits and release customer orders within Delegation of Authority thresholds.
• Collaborate with collections and AR teams to resolve delinquent accounts and credit holds.
• Utilize Microsoft Excel, SAP (ECC Production or S/4HANA), and Get Paid for credit analysis, reporting, and workflow execution.
• Apply knowledge of trade industry practices (e.g., liens, bonds, UCC filings, bankruptcy claims) to assess and manage credit risk exposure.

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
• At least 3 years of experience in a credit, collections, or finance role within an industrial business setting.
• Hands-on experience with Order-to-Cash processes, including cash application and collection analysis.
• SAP experience required (ECC Production or S/4HANA); SAP Ariba not applicable.
• Proficiency with global credit bureau tools (e.g., D&B, Cortera, Credit Risk Monitor).
• Strong interpersonal and communication skills with the ability to collaborate across teams.
• Advanced Microsoft Excel skills; working knowledge of Word and Outlook.
• Previous experience in construction, water, or manufacturing industries.

• Familiarity with Get Paid platform.
• Understanding of trade credit instruments such as bonds, liens, and UCC filings.
• Previous experience in construction, water, or manufacturing industries.

Pay Rate- $20.45- $34.09/hour