Accounts Receivable / Credit Risk Analyst

ABOUT AG RX

AG RX is a leading agricultural services company dedicated to helping growers maximize crop health and productivity through innovative crop protection solutions, professional application services, and exceptional customer support. With locations throughout California, we are committed to safety, integrity, operational excellence, and delivering quality service to our customers.

As an Employee Stock Ownership Plan (ESOP) company, our employees are more than team members—they are employee-owners who share in the success of our company. We foster a collaborative work environment where employees are empowered to grow professionally, contribute new ideas, and make a meaningful impact every day.

Job Overview

We are seeking a highly analytical and detail-oriented Accounts Receivable / Credit Risk Analyst to join our Accounting team. Under the direction of the Accounting Manager, this hybrid role supports accounts receivable processes while evaluating customer credit risk and assisting with credit decision-making. The successful candidate will collect and analyze financial information, assess creditworthiness, monitor customer accounts, prepare credit reports, and support recommendations related to credit limits and payment terms. This position requires strong analytical skills, attention to detail, and the ability to collaborate effectively with internal teams and customers in a fast-paced environment.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Prepares, posts, verifies, and records customer payments and accounts receivable transactions.
• Creates and submits customer invoices in accordance with company procedures.
• Maintains and updates customer account information.
• Monitors customer accounts, researches discrepancies, and resolves billing issues.
• Contacts customers regarding past-due accounts and follows up on collection efforts.
• Gathers, analyzes, and evaluates financial information to determine the creditworthiness of new and existing credit applicants.
• Performs cash flow analysis and calculates financial ratios to assess credit risk.
• Recommends credit decisions, including new accounts, credit limit increases, and extensions of existing credit lines.
• Enters, updates, and maintains credit application and customer account information.
• Collaborates with the Accounting Manager to reconcile accounts receivable and revenue accounts.
• Assists in preparing monthly billing statements and financial reports.
• Ensures compliance with company credit policies and applicable procedures.
• Responds to inquiries from customers, lenders, and internal departments.
• Assists with internal and external audits by providing requested documentation and supporting records.
• Performs other related duties as assigned.

QUALIFICATIONS

Education– Associate’s degree in accounting required; Certified Credit Risk Analyst Certification, or Bachelor’s degree in Accounting preferred.

Experience – Minimum of five (5) years of progressively responsible experience in accounts receivable, credit and collections, credit analysis, or general accounting required

REQUIRED SKILLS/ABILITIES

• Strong analytical, problem-solving, and critical thinking skills.
• Excellent verbal and written communication skills.
• Strong organizational skills with exceptional attention to detail and accuracy.
• Effective time management skills with the ability to prioritize multiple tasks and meet deadlines.
• Ability to work independently while contributing effectively as part of a team.
• Ability to exercise sound judgment, maintain professionalism, and handle confidential information with discretion.
• Demonstrated initiative with the ability to anticipate work needs and identify process improvements.
• Strong customer service skills with the ability to build and maintain positive working relationships.
• Advanced computer skills with experience and working knowledge of Word, Excel, and Outlook. Experience in Agvance accounting software is helpful but not a requirement.
• Ability to operate standard office equipment, including computers, 10-key calculators, copiers, and other office technology.
• Ability to perform effectively in a fast-paced, deadline-driven environment.
• Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.
• Ability to speak Spanish is helpful but not required.

Why Join AG RX?

At AG RX, we believe our people are our greatest asset. We are committed to providing a supportive, team-oriented workplace where employees can grow their careers while contributing to the success of California agriculture.

We offer a competitive benefits package, including:

• Employee Stock Ownership Plan (ESOP)
• Medical, dental, and vision insurance
• 401(k) retirement plan
• Paid time off and paid holidays
• Opportunities for professional growth and development
• A collaborative, safety-focused workplace culture

AG RX is an Equal Opportunity Employer and is committed to creating an inclusive workplace for all employees. Employment decisions are made without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other protected characteristic under applicable federal, state, or local law.

If you are a motivated accounting professional who enjoys combining financial analysis with customer-focused solutions, we encourage you to apply and become part of the AG RX team. Join us in supporting California agriculture while building a rewarding career with an employee-owned company.

Pay: $28.50 - $35.00 per hour

Benefits:

• 401(k) matching
• Dependent care reimbursement
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Professional development assistance
• Referral program
• Retirement plan

Work Location: In person