Credit Analyst

Duties and Responsibilities: Analyze and approve customer credit applications within assigned authority limits Review financial statements, credit reports, trade references, and payment history to assess risk Establish, modify, or recommend customer credit limits and payment terms Monitor customer accounts for changes in financial condition and payment performance Manage a portfolio of customer accounts to ensure timely collection of outstanding receivables Contact customers regarding overdue invoices through phone, email, and written correspondence Negotiate payment arrangements while maintaining positive customer relationships Investigate and resolve billing, pricing, deduction, and payment disputes Monitor aging reports and prioritize collection efforts on high-risk accounts Coordinate account escalations, holds, and release decisions in accordance with company policy Maintain accurate account notes and collection activities within ERP or CRM systems Prepare reporting on aging, collections performance, bad debt exposure, and credit risk Assist with monthly reserve analysis and write-off recommendations Support cash application teams in resolving unapplied or disputed payments Partner with Sales teams to balance customer growth opportunities with acceptable risk levels. Work with Customer Service and Operations to resolve order, delivery, and invoice issues impacting collections Communicate credit decisions and account status updates to internal stakeholders Support process improvement initiatives focused on reducing DSO and improving cash flow Other duties as assigned. Required Qualifications Bachelor's degree in Finance, Accounting, Business Administration, or related field preferred or 2-5 years of experience in credit, collections, accounts receivable, or financial analysis Strong understanding of credit risk assessment and collection practices Proficiency in Microsoft Excel, including pivot tables, VLOOKUP/XLOOKUP, and reporting tools Experience with ERP systems and CMR Software Excellent written and verbal communication skills Strong analytical, problem-solving, and negotiation abilities Preferred Qualifications Experience in wholesale distribution, manufacturing, construction, or HVAC distribution Work Environment: Office Setting-Hybrid Schedule, working 2 days minimum at the office/branch a week.10 a.m. – 7 p.m. est Physical Demand Demand Frequency Sedentary – Lifting 0-10 pounds Occasional Light Lifting – 10-20 pounds Never Moderate Lifting – 20 to 50 pounds Never Heavy Lifting – 50 to 100 pounds Never Pulling/Pushing, Carrying Never Reaching or working above shoulder Never Walking Occasional Standing Occasional Sitting Constant Stooping Never Kneeling Never Repeated Bending Never Climbing Never Desk Work/Computer use/Telephone use Constant Operating a motor vehicle Never Operating a commercial vehicle Never Operating warehouse equipment, forklift, baseloid lift etc Never Other – Talk, Drive, visit customers etc. Occasional EEO Statement: Watsco and its subsidiaries are an Equal Opportunity Employer and do not discriminate on the basis of age, color , race, religion, disability, sex, or national origin. We support a diverse and inclusive workplace where we employ, retain, terminate, and otherwise treat all employees and job applicants on the basis of merit, qualifications and competence. The Credit Analyst is responsible for evaluating customer creditworthiness, managing accounts receivable, minimizing bad debt exposure, and driving timely collection of outstanding balances. This role partners closely with Sales, Customer Service, Operations, and Finance to support profitable revenue growth while maintaining established credit risk standards.