credit and collections analyst

<div><div><b>Job Summary</b><br>
<ul><li>This role is responsible for providing valuable insights and solutions for specific functions or business units. The role actively drives the forecasting process, aligning with overall business objectives and supporting policy and process enhancement. The role may act as a team or project leader, providing direction to team activities and facilitating information validation and team decision making.</li></ul><br>
<b>
Responsibilities</b><br>
<ul><li>Performs complex financial analysis for specific functions or business units, identifies issues and recommends solutions.</li><li>Conducts comprehensive financial analysis for specific functions or business units, providing valuable analytics to support key business initiatives.</li><li>Participates in cross-functional teams as a representative of the finance domain.</li><li>Establishes and maintains relationships with business leaders to guide and influence decision-making.</li><li>Supports policy and process enhancement, identifying opportunities for improved efficiency and organizational growth.</li><li>Drives the forecasting process (weekly, monthly, and long term) by analyzing trends within the businesses and ensuring alignment with overall business objectives.</li><li>Provides information and counsel in the areas of controls, budgeting, and planning, return on investment decisions, and the development of overall business plans and strategies.</li><li>Solves difficult and complex problems with a fresh perspective, demonstrating good judgement in selecting creative solutions and managing projects independently.</li><li>Leads moderate to high complexity projects, delivering professionally written reports, and supports the realization of operational and strategic plans.</li><li>Provides mentoring and guidance to lower-level roles, thereby aiming to enhance individual as well as organizational performance.</li><li>Finance &amp; O2C knowledge, good at reporting, MS-Excel, MS-PPT - presentation, Access, VB, Stake holder management.</li></ul><br>
<b>
Education &amp; Experience</b><b> Recommended</b><br>
<ul><li>Four-year or Graduate Degree in Business Administration, Economics, Finance, or any other related discipline or commensurate work experience or demonstrated competence.</li><li>Typically has 10-15 years of work experience, preferably in financial management, internal audit, accounting, or a related field or an advanced degree with work experience.</li></ul><br>
<b>
Preferred Certifications</b><br>
<ul><li>Certified Public Accountant (CPA)</li><li>Certified Financial Analyst (CFA)</li></ul><br>
<b>
Knowledge &amp; Skills</b><br>
<ul><li>Credit Collection</li><li>Order to Cash</li><li>Accounts Receivable</li><li>Accounting</li><li>Auditing</li><li>Automation</li><li>Corporate Finance</li><li>Data Analysis</li><li>Economics</li><li>Finance</li><li>Financial Analysis</li><li>Financial Modeling</li><li>Financial Planning</li><li>Financial Services</li><li>Financial Statements</li><li>Generally Accepted Accounting Principles</li><li>Internal Controls</li><li>Investments</li><li>Key Performance Indicators (KPIs)</li><li>Process Improvement</li><li>Profit And Loss (P&amp;L) Management</li><li>SAP Applications</li><li>Variance Analysis</li></ul><br>
<b>
Cross-Org Skills</b><br>
<ul><li>Effective Communication</li><li>Results Orientation</li><li>Learning Agility</li><li>Digital Fluency</li><li>Customer Centricity</li></ul><br>
<b>
Impact &amp; Scope</b><br>
<ul><li>Impacts multiple teams and may act as a team or project leader providing direction to team activities and facilitates information validation and team decision making process.</li></ul><br>
<b>
Complexity</b><br>
<ul><li>Responds to moderately complex issues within established guidelines.</li></ul><br>
<b>
Disclaimer</b><br>
<ul><li>This job description describes the general nature and level of work performed in this role. It is not intended to be an exhaustive list of all duties, skills, responsibilities, knowledge, etc. These may be subject to change and additional functions may be assigned as needed by management.</li></ul></div><p>
#LI-POST</p></div>

Credit and Collections Senior Analyst

Cemstone

<div><p><b>Job Summary:</b></p><p>
Cemstone&reg; has become synonymous with high quality products and unparalleled service in the ready-mix concrete industry in the upper midwest. Our reputation is reflected in the structures we&rsquo;ve helped create and our long-held and long-practiced commitment to our core values. Here's your opportunity to join an amazing family-owned business that has been around for nearly 100 years!</p><p></p><p><b>
What You'll Do:</b></p><p>
The Credit Analyst is responsible for assessing customer creditworthiness and extending lines of credit, managing accounts receivable risk, and executing effective collection strategies to ensure timely payment. This role partners closely with Sales, Shared Services, and Customer Service to minimize credit exposure, resolve billing discrepancies, and maintain strong customer relationships while meeting company cash‑flow objectives and other management directives.</p><p><b><br>
Essential Duties and Responsibilities:
</b></p><p></p><p><b>Credit Management</b></p><ul><li>
Review and analyze new and existing customer credit applications.</li><li>
Perform credit risk assessments, scoring, and analysis.</li><li>
Recommend and establish appropriate credit limits and payment terms, per company policy.</li><li>
Monitor customer credit exposure and escalate high‑risk accounts.</li></ul><p></p><p><b>
Collections</b></p><ul><li>
Proactively manage a portfolio of accounts to ensure timely collection of receivables.</li><li>
Investigate and resolve past‑due balances, short payments, and disputed invoices.</li><li>
Communicate professionally with customers via phone, email, and written correspondence.</li><li>
Negotiate payment plans when necessary while adhering to company policies.</li><li>
Document all collection activities in the ERP system.</li></ul><p></p><p><b>
Internal Collaboration &amp; Compliance</b></p><ul><li>
Partner with Sales to communicate and evaluate credit risks for all customers.</li><li>
Provide insights to leadership regarding customer risks and collection trends.</li><li>
Ensure compliance with internal credit policy and external regulations.</li><li>
Participate in process improvement initiatives to reduce DSO and bad‑debt exposure.</li><li>
Communicate professionally and effectively to foster relationships and collaboration to achieve positive results.</li><li>
Add and maintain customer records and documentation in ERP and linked customer database systems.</li></ul><p></p><p><b>
Qualifications and Requirements:</b></p><ul><li>
5+ years of experience in credit, collections, or accounts receivable required.</li><li>
Bachelor&rsquo;s degree in Finance, Accounting, Business, or related field&mdash;or equivalent experience required.<b>
</b></li><li>Previous credit and collections experience in the construction industry preferred.</li><li>
Knowledge of lien laws, credit compliance, and UCC filings preferred.</li><li>
Intermediate knowledge of Microsoft Excel preferred.</li><li>
Experience with NetSuite preferred.</li><li>
Experience with Experian or Creditsafe preferred.</li><li>
Experience with Microsoft Teams preferred.</li><li>
Strong analytical and problem‑solving skills preferred.</li><li>
Excellent communication and interpersonal skills to develop and maintain positive working relationships with internal and external customers preferred.</li><li>
High attention to detail and strong organizational skills preferred.</li><li>
Proficiency in Microsoft Office applications preferred.</li></ul><p></p><p>
Pay: $50,000-$70,000 annually</p><p><b>
Benefits</b></p><ul><li><p>
Medical Insurance</p></li><li><p>
Dental Insurance</p></li><li><p>
Life Insurance</p></li><li><p>
Retirement Plans</p></li><li><p>
Paid Time Off</p></li><li><p>
Wellness Program</p></li><li><p>
Education Assistance</p></li><li><p>
Employee Assistance Program</p></li></ul><p></p><div><p><b>
Closing</b></p><p></p><p>
If you are interested in becoming part of our team, please apply online today.</p></div><p></p><p><i>
We are proud to be an Equal Opportunity Employer. We recognize that a diverse
</i></p><p><i>workforce </i><i>is essential and strongly encourage qualified women, minorities,
</i></p><p><i>individuals with disabilities and veterans to apply. Join us in building a diverse and talented workforce that reflects the communities we serve.</i></p></div>

Credit Analyst

Citadel Credit Union

<div><p>The Mortgage Collections Analyst is responsible for mitigating loss to the Credit Union by contacting members with delinquent loans and negative checking accounts and negotiating appropriate arrangements to cure the delinquency and return the member&rsquo;s account to good standing.</p>
<p>
The majority of the communication will be done over the telephone, Effective communication and negotiation skills are a necessity. It is important to be accurate and thorough.
</p><p><b>Duties and Responsibilities</b></p>
<ul>
<li>Contact delinquent members to prompt and assist them in making arrangements to bring all accounts with Citadel current</li>
<li>Gather and analyze financial information (including, but not limited to, income, expenses, Credit Bureau Reports) from members to propose and implement solutions for delinquent loans</li>
<li>Analyze member data to assist management in making decisions regarding recovered assets (vehicles and real estate)</li>
<li>Make decisions regarding enforcement of Citadel&rsquo;s offset policies for delinquent member loans</li>
<li>Make decisions, using collection techniques and financial analysis, that mitigate Citadel&rsquo;s Risk of Loss while preserving member retention, when appropriate</li>
<li>Utilize communication and conflict resolution skills to resolve disputes and craft solutions with frustrated or angry members in a calm and professional manner</li>
<li>Document activities on delinquent accounts, ensuring accuracy and expediency</li>
<li>Maintain current member information across all utilized platforms (Collection software, Episys Products)</li>
<li>Counsel members in debt management</li>
<li>Handle member disputes, complaints and inquiries</li>
<li>Perform assigned administrative tasks</li>
<li>Perform such other duties as may be assigned commensurate with the position
</li></ul><p>The department operates M-F from 8-6, and Sat from 9-1. The eligible candidate must be available for a minimum of two evening shifts (10:00am - 6:00pm) per week, and 2 Saturday shifts per month (hours are subject to change).</p>
<p><b>
Qualifications and Education Requirements</b></p>
<p><b>
Work Experience</b></p>
<ul>
<li>6 months or more of collection and/or banking experience.</li>
<li>Mortgage collections experience is preferred</li>
<li>Demonstrate a thorough understanding of the impact that the collection of delinquent accounts has on the strength and growth of the Credit Union</li>
<li>Demonstrate effective oral and written communication skills</li>
<li>Demonstrate effective negotiation skills
</li><li>Maintain confidentiality, promote integrity, and support the corporate mission.</li>
<li>Represent Citadel as a professional</li>
<li>Bilingual &quot;Spanish/English&quot;</li>
</ul>
<p><b>Education</b></p>
<ul>
<li>High School Education</li></ul></div><p></p>

Mortgage Collections Analyst

Church & Dwight Co.

<div><div>A collective energy and ambition. A place where you can make a real difference.</div><div><br>
We&rsquo;re a company that genuinely cares about our people, our products, our consumers and the environment.</div><div><br>
Our unique, informal culture champions courage, determination and collaboration. Knowing we have an open and supportive team means each of us has the freedom to take responsibility and ownership. We have a shared passion to work hard, innovate and push boundaries.</div><div></div><div>
United by the belief that when we strive for growth, anything is possible. While we might not be the largest company in our industry, we believe we can have the biggest impact because: Together We Have the Power to Win.</div><div></div><div>
Job Summary</div><div></div><div>
Church &amp; Dwight is seeking a Credit Analyst to join our team. This role is responsible for contributing to the company&rsquo;s top line growth and profitability by establishing customer credit lines to accommodate sales requirements while minimizing the risk of bad debt losses and maintaining compliance to company payment terms. This role will also contribute to positive free cash flow metric by ensuring timely collection of outstanding AR balances.</div><div></div><div>
Work Environment</div><div>
Hybrid: This is a hybrid role based in Ewing, NJ and requires in- person attendance on Tuesdays, Wednesdays, and Thursdays, with remote work options on Mondays and Fridays.</div><div></div><div>
Role Accountabilities and Responsibilities</div><ul><li><div>
Analyze financial statements, credit reports from Contract Credit Agencies, economic information and information provided by the customer in order to establish and/or recommend credit limits for new and existing customers within company guidelines and assigned approval limit.</div></li><li><div>
Responsible for timely collection of AR balances and identifying and resolving the root cause of delinquency issues.</div></li><li><div>
Make decision to hold or release the customer orders that are systematically placed on credit block.</div></li><li><div>
Ensure accuracy of customer&rsquo;s account data, billing address, credit limit and payment terms.</div></li><li><div>
Build and leverage relationships with a variety of functional areas (Customer Service, Logistics, Sales, General Accounting, Internal Audit, IT) in order to address customer and/or process related issues.</div></li><li><div>
Participate in training of credit &amp; collection staff.</div></li><li><div>
Analyze account portfolio to identify and address risk and provide reporting and KPI Metrics to management.</div></li><li><div>
Participate in cross-functionally to facilitate policy and process improvements and resolve policy or systems related issues.</div></li><li><div>
SAP Super User Responsibilities</div></li><li><div>
Bridge the gap between business end users and the IT department</div></li><li><div>
Utilize bigger picture methodology to evaluate strategic technology enhancements</div></li><li><div>
Participate in enhancement evaluation and testing for future system developments</div></li><li><div>
Deliver training materials and presentations</div></li><li><div>
Assist in business users by troubleshooting system related issues</div></li></ul><div></div><div>
Skills and Competencies</div><ul><li><div>
Demonstrated knowledge of financial statement analysis</div></li><li><div>
Strong analytical, problem solving and negotiation skills</div></li><li><div>
Ability to work with minimal supervision</div></li><li><div>
Excellent verbal and written communication skills</div></li><li><div>
Ability to work in a team-based environment and interact cooperatively with internal and external customers.</div></li><li><div>
Reporting and Analytical Skills</div></li><li><div>
Power BI and Advanced Microsoft Skills for Trend Analysis, Root Cause Analysis, Problem Solving Skills</div></li><li><div>
SAP Super User Skills and Competencies</div></li><li><div>
An early adopter of technology and staying updated on industry trends</div></li><li><div>
Analytical skills to interpret user feedback and data</div></li><li><div>
Excellent written and verbal communication skills</div></li><li><div>
Strong organizational and time-management abilities</div></li></ul><div></div><div>
Education and Experience</div><ul><li><div>
Bachelor Degree in Business Administration (Finance or Accounting concentration preferred).</div></li><li><div>
Minimum of five years of relevant credit and collection experience</div></li><li><div>
Experience with SAP or other ERP Credit &amp; Collections software.</div></li><li><div>
Experience in dealing with major retail customers.</div></li><li><div>
CPG Experience Desirable</div></li></ul><div></div><div>
Compensation and Benefits</div><div>
The U.S. base salary range for this full-time position is $59,400&ndash; $84,500. This position is also eligible for a bonus.</div><div></div><div>
As a Church &amp; Dwight US employee, you (and eligible dependents, as applicable) will have access to medical, dental, vision, basic life insurance, paid vacation and sick time, and Paid Parental Leave. U.S. employees are entitled to paid holidays, floating holidays, and vacation days starting in their first year of employment depending on hire date. You are also able to participate in our 401k retirement plan (with company match and profit-sharing) and Discounted Employee Stock Purchase Plan.</div><div></div><div>
The actual base pay offered to the successful candidate will be based on multiple factors, including, but not limited to, job-related knowledge/skills, experience, business needs, geographical location, and internal pay parity. Compensation decisions are dependent upon the facts and circumstances of each position and candidate.</div><div></div><div>
Church &amp; Dwight is proud to be an Equal Opportunity Employer/Veterans/Individuals with Disabilities.<br>
<br>
For more information on our company, our brands and our culture visit us at <div>http://www.churchdwight.com/</div></div></div>

FlairsTech

<div><div><div><div><p>Requirements and responsibilities</p><div><h1 class="jobSectionHeader"><b>
Key Responsibilities:</b></h1><br>
<p></p><ul><li>
Determines work priorities, plans, schedules, assigns and reviews work. Trains and evaluates assigned personnel.</li><li>
Investigates and resolves difficult or highly sensitive collections or receivables problems. Interacts with debtors; explains and interprets regulations and procedures; determines exceptions to payment policy or procedures; and authorizes refund</li><li>
Responsible for posting all incoming payments to correct accounts daily.</li><li>
Reviews, formulates, and recommends policies and operational procedures for areas of responsibility.</li><li>
Ensures confidentiality and security of transactions and receivables</li><li>
lead a team of Collections Specialists in performing several vital activities related to Team's AR Portfolio and account aging, coordination and resolution on billing discrepancy, deductions and over payments, credit and order hold as well as on team's management on unapplied cash.</li><li>
develop and maintaining good communications and relations with both internal and external customers and in handling customer escalations</li><li>
Exercise good judgment within defined procedures and policies to determine appropriate action.</li><li>
Resolves day-to-day technical and operational problems.</li><li>
Inputs and retrieves data from computer systems. (Posting payment and reconciling with bank statements)</li><li>
Maintaining customer information.</li><li>
Scheduling Payments.</li><li>
ACH Upload Processing.</li><li>
Reconciling payments to ensure the accounting system reflects the correct transactions.</li><li>
General ledger reconciliations.</li><li>
Account reconciliations such as a bank, inventory control, clearing, billings, etc.</li><li>
Issue receipts to customers on receipt of payments.</li><li>
Performing daily financial transactions such as verifying, calculating, and posting accounts receivable data.</li><li>
Supporting the month-end process.</li><li>
Generating month-end reports.</li><li>
Report summary of completed tasks and issues.</li></ul><p><b>
Job Requirements:</b></p><ul><li>
Fluent in English is a MUST</li><li>
Bachelor&rsquo;s degree in Accounting is preferred.</li><li>
hands-on accounting experience in accounts receivable is a must.</li><li>
Appropriate handling of sensitive information.</li><li>
Excellent written and verbal communication skills.</li><li>
Strong client relationship management and customer service skills.</li><li>
Advanced computer software skills, especially with Excel and Accounting packages.</li></ul></div></div></div></div></div><div></div>

AR Specialist

Zensar Technologies

<div><p>Job Description
</p><p>1. Collections Management
<br>
&bull; Monitor and manage aging reports to identify overdue accounts.
<br>
&bull; Initiate collection calls, emails, and follow ups to ensure timely payment.
<br>
&bull; Maintain detailed records of customer interactions and commitments.
<br>
&bull; Escalate delinquent accounts as per company policy.
<br>
2. Customer Account Management
<br>
&bull; Review customer credit limits and payment history.
<br>
&bull; Work with customers to resolve disputes, short payments, or deductions.
<br>
&bull; Provide account statements, invoices, and required documentation upon request.
<br>
&bull; Build strong customer relationships to support timely payments.
<br>
3. Billing &amp; Reconciliation
<br>
&bull; Validate billing accuracy and ensure invoices are correct and complete.
<br>
&bull; Reconcile customer accounts, investigate discrepancies, and process adjustments.
<br>
&bull; Collaborate with billing and sales teams to resolve pricing or tax issues.
<br>
4. Reporting &amp; Documentation
<br>
&bull; Prepare weekly/monthly AR aging reports for management.
<br>
&bull; Track collection performance metrics (DSO, overdue %, recovery rate).
<br>
&bull; Document all collection efforts and maintain internal audit ready records.
<br>
5. Cross Functional Collaboration
<br>
&bull; Work closely with Sales, Customer Service, and Finance on account issues.
<br>
&bull; Support month end closing activities for AR.
<br>
&bull; Assist in improving AR processes and collection strategies.</p></div>

ACCOUNTS RECEIVABLE

<div>
 <strong>
  Key Responsibility Areas Including Preferred Skills And Experience
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Contact customers with past-due accounts to collect outstanding balances.
  </li>
  <li>
   Monitor accounts receivable aging and prioritize collections efforts based on account aging.
  </li>
  <li>
   Maintain accurate and up-to-date collections records in the accounting system.
  </li>
  <li>
   Collaborate with cross-functional teams to identify and rectify issues and ability to collect
  </li>
  <li>
   Prepare and distribute collections-related reports and analyses for management.
  </li>
  <li>
   Assist in month-end and year-end close processes.
   <br/>
   <br/>
  </li>
 </ul>
 Competencies
 <br/>
 <br/>
 <ul>
  <li>
   2+ years of US collections experience
  </li>
  <li>
   Strong understanding of collections processes and customer agreements
  </li>
  <li>
   Experience with collections software
  </li>
  <li>
   Strong negotiation and communication skills.
  </li>
  <li>
   Very good written and verbal communication skills.
  </li>
  <li>
   Ability to work independently and as part of a team.
  </li>
  <li>
   Strong organizational skills and ability to prioritize workload to meet deadlines.
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Eligibility Criteria
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Graduate/Masters in finance/commerce
  </li>
  <li>
   2+ years of relevant experience
  </li>
  <li>
   Fluent in English (written and spoken)
  </li>
 </ul>
</div>


Associate - Business Analyst-Back Office-Finance & Accounting

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Associate - Business Analyst-Back Office-Finance & Accounting