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As a **Lead Analyst – Credit and Collections** working within our **construction sector** , you will be responsible for the activities and operations in the credit and collections department. This includes overseeing the processing and verification of credit applications, coordinating payment collections on overdue accounts, and working closely with internal teams and partners on matters related to liens and bonds. You’ll investigate credit issues and recommend appropriate payment solutions, helping to ensure financial stability and compliance across our construction portfolio.

Responsibilities:

+ Monitors past due invoices and makes collections contacts via phone, e-mail, or customer portals.

+ Evaluates collectability of unearned cash discounts, finance charges, small dollar invoices, etc. and performs and approves write-offs of uncollectable amounts within their level of authority.

+ Participates in and/or leads monthly accounts receivable aging and dispute reviews with financial services team and branch personnel. Documents and pursue follow-up actions agreed to during meetings.

+ Researches and obtains appropriate credit information to rate and approve credit worthiness of new and existing accounts within assigned portfolio.

+ Works with financial services management to determine use of various credit instruments to mitigate risk, including UCC filings, liens, letters of credit, payment bonds, personal and corporate guaranties.

+ Works cross-functionally with sales, operations, finance, contract administration, and customer master administration teams to review documents, including purchase orders, credit applications, etc., and initially identifies contractual risks, including warranties, indemnification, uncapped liability and liquated damages.

+ Reviews orders on credit hold by assessing credit worthiness of customers, including financial ratings, open invoices, in-process payments and backlog, and makes independent decisions to release orders on credit hold, or escalate higher-risk customers to manager.

Qualifications:

+ Associate’s degree in accounting, finance, supply chain or business required. Bachelor’s degree preferred.

+ NACM or similar certification preferred.

+ 3 years of accounts receivable, accounting, finance, supply chain or general business required, 5 years preferred.

+ 3 years of knowledge of computer system applications: Microsoft Office, including Outlook, Excel, and Word, and familiarity with an ERP platform (e.g., Oracle, DAX, AS400 etc.) required, 5 years preferred. High level of Excel knowledge preferred.

+ 2 years of commercial, business to business, credit and collection experience in a high volume environment required, 4 years preferred.

+ 2 years of working with trade credit and other third parties (e.g., D&B, Experian, Equifax, NACM, CreditSafe) to obtain credit information required, 4 years preferred.

+ Experience with **liens and bonds** in a construction credit and collections environment is preferred.

+ Computer system applications, including Microsoft Office and familiarity with an ERP platform (Oracle, DAX, AS400 etc.). High level Excel knowledge preferred.

+ Strong written, oral communication and interpersonal skills with a positive disposition.

+ Reliable with strong organization skills; solution-oriented and results-driven philosophy.

+ Ability to work independently as well as in a team environment.

+ Strong attention to detail with a passion for accuracy.

+ Willingness to accommodate temporary working hour changes as required by workflow.

+ Ability to prioritize tasks and demonstrate a willingness to accept new challenges.

+ Ability to travel to branches and customers.

+ Lean, continuous improvement mindset.

+ Ability to work effectively with all levels of management to accomplish goals and objectives.

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