Robert Half has partnered with an industry leader in the Edmonton, Alberta area to recruit a Credit Analyst. This is an excellent opportunity for a detail-oriented finance professional who thrives in a fast-paced environment and enjoys balancing risk assessment with relationship management. The successful candidate will play a key role in evaluating creditworthiness, managing customer accounts, and supporting the organization's overall credit and collections strategy.
Position Overview
As a Credit Analyst, you will be responsible for assessing and monitoring customer credit risk, establishing credit limits, analyzing financial information, and ensuring compliance with company credit policies. You will work closely with customers, sales teams, and finance leadership to support business growth while minimizing financial risk.
Key Responsibilities
- Review and evaluate new credit applications, including financial statements, credit bureau reports, trade references, and banking information.
- Analyze customer financial performance, liquidity, leverage, and overall creditworthiness.
- Recommend and establish appropriate credit limits and payment terms.
- Monitor existing customer accounts and perform periodic credit reviews.
- Assess and mitigate credit risk while supporting business development initiatives.
- Investigate customer payment trends and identify potential risks or collection concerns.
- Collaborate with sales and operations teams to resolve credit-related issues and support customer relationships.
- Prepare credit assessments, risk analyses, and recommendations for management review.
- Monitor aging reports and assist with collection strategies for overdue accounts.
- Maintain accurate customer credit files and documentation.
- Ensure adherence to internal credit policies and relevant regulatory requirements.
- Support month-end processes, reporting, and audit requests as needed.
Qualifications
- Degree or diploma in Accounting, Finance, Business, or a related field.
- 3+ years of experience in credit analysis, commercial lending, accounts receivable, or a related finance function.
- Strong understanding of financial statement analysis and credit risk evaluation.
- Experience reviewing customer financial statements and making credit recommendations.
- Proficiency with ERP systems and Microsoft Excel, including pivot tables, lookups, and financial analysis tools.
- Excellent analytical, problem-solving, and decision-making skills.
- Strong communication and relationship-building abilities.
- Ability to manage multiple priorities and meet deadlines in a dynamic environment.
- Professional designations such as CPA, CFA, CBV, or CCP are considered assets.
Preferred Experience
- Experience in manufacturing, distribution, industrial services, construction, energy, or other commercial environments.
- Familiarity with commercial credit reporting agencies and risk management tools.
- Experience working with large customer account portfolios and high-volume transaction environments.
