Senior Credit Analyst - CCC

$84,400 - $110,775/Yr

Summit Materials - Alpharetta, GA

Full-time - Mid Level

Alpharetta, GA

Mining (except Oil and Gas)

About the position

The Senior Credit Analyst position at Summit Materials is a pivotal role that supports and supervises all credit functions for the cement business within the USA Territory. This position is designed to positively impact cash flow and working capital by evaluating credit history and determining appropriate credit limits for customers. The Senior Credit Analyst will be responsible for developing and maintaining strong external customer relationships as well as internal relationships with the sales team. This role is crucial in ensuring the integrity of sales, conducting bad debt write-off reviews, and ensuring compliance with corporate credit policies and procedures. As a Senior Credit Analyst, you will be an active problem solver, equipped with the skills to effectively negotiate contract terms and perform accurate risk assessments. You will also drive improvement processes utilizing lean concepts to help meet the company's objectives. The position requires evaluating new customers' credit data and financial statements to assess creditworthiness and risk, making credit decisions, and approving credit limits up to $250,000. Additionally, you will manage a collection portfolio valued between $6 million to $10 million, supervise delinquent account collections, and establish alternative payment arrangements. Your responsibilities will also include negotiating payoffs, documenting collection activities, recommending charge-offs, and developing reports to ensure compliance with corporate policies. You will assist credit analysts in solving complex issues, approve customer refunds up to $5,000, and support internal and external audits. This role is essential for maintaining the financial health of the company and ensuring that credit operations run smoothly and efficiently.

Responsibilities

• Evaluate new customer's credit data and financial statements to assess creditworthiness and risk and make a credit decision.
• Approve credit limits up to $250K.
• Manage a collection portfolio of $6-10 million.
• Supervise delinquent account collections and establish alternative payment arrangements.
• Negotiate contract terms and perform accurate risk assessments.
• Obtain legal/collection agency approval for third-party accounts.
• Negotiate payoff deadlines or payment plans for their portfolio up to 4-6 months, including proper risk assessment.
• Document collection activities and recommend charge-offs.
• Develop reports to ensure compliance with corporate policies and procedures.
• Assist credit analysts in solving complex issues.
• Approve customer refunds up to $5K.
• Assist with internal and external audits.
• Assist with special requests and collections on factored accounts.

Requirements

• Bachelor's Degree; BBA degree preferred.
• Minimum 4-6 years in a credit decision-making capacity with supervisory experience.
• Consideration for candidates with a minimum of 8 years of industry-specific experience and 3-5 years of supervisory experience if they do not meet education requirements.
• Intermediate skills in Microsoft Word and working knowledge of SAP FI.
• Thorough knowledge and understanding of the construction industry, collections, and bond requirements.

Nice-to-haves

• Experience in construction credit and cash management.
• Strong negotiation skills and problem-solving abilities.

Benefits

• Comprehensive medical, dental, and vision insurance plans.
• Life insurance, long-term disability, and short-term disability coverage at no cost.
• Access to the Discover Learning catalog with thousands of available courses for professional and personal development.
• Employee Assistance Program (EAP) with free counseling and financial resources.
• 401(k) plan with a match up to 4% of annual income.
• Paid Time Off (PTO) for relaxation and family time.