Credit Analyst

WHO WE ARE -

Johnstone Supply - The Founders Group is a 3rd generation family-owned leading wholesale distributor for heating, cooling, and refrigeration supplies and equipment. We are locally owned and operate across 5 states as one of the nation's largest HVAC/R distributors. Johnstone Supply offers superior customer service, technical advice and training seminars and feature the industry’s most respected catalog (available both in digital and online) featuring more than 80,000 quality parts, supplies and equipment.

SCHEDULE -

Monday - Friday between 8:00am - 5:00pm

SALARY RATE -

Salary: $28 - $33 / hour - DOE

IDEAL CANDIDATE -

• Strong analytical and quantitative skills with the ability to interpret financial statements and other data to assess creditworthiness
• Ability to explain complex financial concepts and assessments in an understandable manner
• Strong attention to detail in reviewing financial documents
• Organizational abilities to prioritize work and manage various credit applications simultaneously
• Ability to work collaboratively with other departments
• Strong customer service orientation with the ability to build positive relationships with clients while ensuring adherence to credit policies.

ESSENTIAL DUTIES AND RESPONSIBILITIES -

CREDIT APPLICATIONS/NEW ACCOUNTS/ACCOUNT MAINTENANCE:

• Review credit applications.
  • Recommend credit terms and lines of credit.
  • Follow up with prospective customers to obtain references, licenses, and financials, as needed.
  • Set up approved customers in our operating system.
• Maintain productive relationships with clients while negotiating account resolutions and payment plans.
• Work with credit agencies/collections attorneys in resolving difficult accounts.
• Record relevant notes in customer credit files.
• Prepare data monthly reflecting aging of accounts and pertinent analysis. Continually maintain records on delinquent accounts and credit risks.
• Determine customer credit capacity, Analyze and interpret available information.
• Periodically review credit limits and make recommendations for approval or denial of extension of credit beyond assigned limits.
• Approve/decline requests that are made from all branches regarding customer orders that have been put on credit hold.
• Follow up on any unauthorized debits/credits with customer and/or branch personnel to ensure account discrepancies are handled in a timely manner.
• Prioritize credit reviews for existing accounts.
• Maintain accounts to include updating customer information, filing, assisting customers with copies of invoices, and communicating with Credit Manager of any significant problems that arise.

COLLECTIONS:

• Monitor aging reports for all assigned accounts.
• Perform customer service/collection calls on past due accounts.
• Regularly gather information from credit organizations and other vendors in assessing current credit risks.
• Issue progressive written and verbal requests for payment of past-due accounts.
• Develop payment plans for past due accounts.
• Determine action to take in collection of past due accounts when usual collection procedures have been ineffective.
• Manage UCC filings/construction liens.
• Set up and track customer job accounts, when appropriate.

ACCOUNTS RECEIVABLE:

• Post customer payments to accounts.
  • Make immediate write-offs involving nominal discrepancies.
  • Contact customer and resolve any significant imbalances, including resolution of any unapproved credits.
  • Follow up on any customer payments that are not received.
  • Process credit card payments in coordination with approved processes.
• Communicate with credit manager in addressing any ongoing and/or significant issues with customer statement(s

QUALIFICATIONS –

• HS degree with 5 years’ experience in accounting, AR, credit. Associates or Bachelors degree preferred.
• Minimum 2 to 5 years in Credit, preferably in a wholesale/trade environment, with a focus on: analysis of credit worthiness and associated financials, AR reporting, and resolving past due accounts.
• Working knowledge of bond, collection, and lien laws.
• Excellent attention to detail and ability to communicate complex account issue to customers.
• Experience in account reconciliation, credit extension, payment plans, etc.
• Must have excellent written and verbal communication skills.
• Word and Excel proficiency.
• Excellent problem solver and initiative to see a solution to its finish.
• Willingness to learn all aspects of Credit/Collection department functions, including customer collection calls.
• Working knowledge of automated financial and accounts reporting system(s).
• Basic familiarity with accounting principles.
• Good organizational skills.
• Strong contributor with professional and pleasant demeanor who values team over self in addressing customer concerns. No ego in dealing with clients.

BENEFITS -

• Paid Vacation / Holidays / Sick Leave
• Medical Insurance
• Dental Insurance
• Vision Insurance
• Company paid Life Insurance
• Company paid Long-Term Disability Insurance
• Flexible Spending Account for Medical and Dependent Care
• Health Savings Account with generous company contribution
• 401(k) Plan with generous company match