Credit Analyst
Location: Houston, TX
Job Type: Contract
Company: IDR
Category: Accounting / Finance
Job Description Apply Now
Are you an experienced professional in the credit and collections field seeking a new opportunity to leverage your expertise with a growing organization? As a Credit Analyst, you will play a pivotal role in supporting our company's customer credit and collections strategies, focusing on residential and small commercial accounts. This position offers a dynamic work environment in Houston, TX, where you will be part of a collaborative and supportive team dedicated to operational excellence and continuous improvement. If you are eager to contribute your skills to an industry leader, we encourage you to apply today!
Credit Analyst - SummaryThe Credit Analyst is responsible for managing receivables, performing comprehensive risk assessments, and ensuring compliance with company credit policies and procedures. This role involves active monitoring of customer accounts, thorough evaluation of creditworthiness, and coordination of activities related to credit extensions and collections. Additionally, the Credit Analyst will serve as an important liaison between customers and internal management, addressing special credit requests and supporting regulatory compliance efforts.
Duties & Responsibilities- Apply company credit and collection policies, practices, and procedures to designated customer accounts, ensuring adherence to established guidelines.
- Review credit files, reports, credit bureau documents, and customer financial statements to verify customers meet deposit and credit requirements.
- Authorize and extend credit to customers based on established policy and terms, ensuring accurate and timely processing.
- Analyze customer financial situations and make informed decisions regarding credit extensions beyond standard policy criteria when warranted.
- Conduct credit risk analysis for both aggregated portfolios and individual accounts, identifying trends and potential issues.
- Implement and manage programs for the follow-up and collection of accounts receivable to maintain company cash flow and minimize delinquencies.
- Communicate and coordinate with management regarding special credit applications that fall outside standard policies and procedures.
- Investigate and prepare responses to customer complaints for submission to regulatory bodies, consumer advocates, media representatives, and internal management.
- Evaluate customer eligibility for Public Utility Commission (PUC) mandated activities and programs, including low-income assistance initiatives.
- Participate in the development and implementation of new or revised credit policies and procedures to improve operational effectiveness.
- Competitive compensation package designed to reward experience and performance.
- Comprehensive benefits including medical, vision, and dental coverage.
- Additional perks such as life insurance and access to wellness programs.
- Opportunities for professional development and career advancement within a supportive, team-oriented culture.
- The chance to join an industry-leading organization recognized for excellence and innovation.
- Minimum of 6 months of experience in credit and collections, preferably working with residential and small commercial accounts.
- Familiarity with credit policies, regulations, and procedures. Experience with Public Utility Commission (PUC) guidelines is a plus.
- Experience reviewing and interpreting contractual documents and customer financial statements.
- Exceptional analytical skills, attention to detail, and the ability to exercise sound judgment in risk assessment and credit decisions.
- Strong communication and interpersonal skills to effectively liaise with customers, management, and regulatory agencies.
- Experience in banking or financial services is advantageous.
- Knowledge of skip tracing practices is beneficial but not required.
- Bilingual skills, especially in English and Spanish, are highly valued and enhance communication with a diverse customer base.
- A collaborative and proactive approach to problem-solving, with a commitment to upholding company values and customer satisfaction.
- The company has a long-standing reputation for excellence, with over 27 years of proven industry experience and recognition as a Best of Staffing® Client and Talent Award winner multiple years in a row.
- Houston, TX offers a vibrant and diverse professional environment, providing opportunities for growth and community engagement.
- The organization is dedicated to fostering an inclusive and equitable workplace, with comprehensive policies in place to support diversity and compliance with all employment laws.
Take the next step in your career with a respected industry leader. Don’t miss the chance to make a meaningful impact as a Credit Analyst. Click the application button to submit your application and join a company where your expertise and dedication are valued!
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. IDR is subject to certain governmental recordkeeping and reporting requirements for the administration of civil rights laws and regulations. In order to comply with these laws, we invite employees to voluntarily self-identify their race or ethnicity, gender, and veteran status (if applicable). Submission of this information is voluntary and refusal to provide it will not subject you to any adverse treatment. The information obtained will be kept confidential and may only be used in accordance with the provisions of applicable laws, executive orders, and regulations, including those that require the information to be summarized and reported to the federal government for civil rights enforcement. You may access this form here.