Sr. Credit Analyst in Tigard, Oregon at G-A-P Supply Corp Johnstone Portland

Join our team as a Senior Credit Analyst at Johnstone Supply - The Founders Group

**Competitive Pay ** Work/Life-Balance ** Winning Team**

WHO WE ARE -

Johnstone Supply - The Founders Group is a 3rd generation family-owned wholesale distributor for heating, cooling, and refrigeration supplies and equipment. We operate across 6 states as one of the nation's largest HVAC/R distributors. Johnstone Supply offers superior customer service, technical advice and training seminars and features the industry’s most respected catalog (available both digital and online) featuring more than 80,000 quality parts, supplies and equipment. Our purpose is to keep our communities safe & comfortable!

Primary Purpose -

Under the direct supervision of the Credit Manager, the Senior Credit Analyst shall set up new accounts, recommend credit limits and terms, monitor customer balances, maintain credit files, make collection calls, and assist with all other A/R functions/projects.

This position will become proficient in using our ERP relative to credit and AR functions and coach junior members of the team as needed.

WORK SCHEDULE -

Expectation: Exempt onsite position, requires 8 hours a day, between the hours of 6am-5pm.

ESSENTIAL DUTIES AND RESPONSIBILITIES -

CREDIT APPLICATIONS/NEW ACCOUNTS/ACCOUNT MAINTENANCE:

• Review credit applications.
• Recommend credit terms and lines of credit.
• Follow up with prospective customers to obtain references, licenses, and financials.
• Set up approved customers in our operating system.
• Maintain productive relationships with clients while negotiating account resolutions and payment plans.
• Work with credit agencies/collections attorneys to resolve complex accounts.
• Record relevant notes in customer credit files.
• Prepare data monthly reflecting account aging and pertinent analysis. Continually maintain records on delinquent accounts and credit risks.
• Determine customer credit capacity and analyze and interpret available information.
• Periodically review credit limits and make recommendations for approval or denial of extension of credit beyond assigned limits.
• Approve/decline requests from all branches regarding customer orders put on credit hold.
• Follow up on any unauthorized debits/credits with customers and branch personnel to ensure account discrepancies are handled promptly.
• Maintain accounts, including updating customer information, filing, assisting customers with copies of invoices, and communicating with the Credit Manager about any significant problems that arise.
• Regularly determine bad debt and other write off recommendations.

COLLECTIONS:

• Monitor aging reports for all assigned accounts.
• Perform customer service/collection calls on past-due accounts.
• Regularly gather information from credit organizations and other vendors to assess credit risks.
• Issue progressive written and verbal requests for payment of past-due accounts.
• Develop payment plans for past-due accounts.
• Determine what action to take to collect past-due accounts when usual collection procedures have been ineffective.
• Detail documentation of collection efforts.
• Manage UCC filings/construction liens.
• Set up and track customer job accounts when appropriate.
• When requested, seek approval and confirm payment via joint checks.
• Make bad debt recommendations when appropriate

ACCOUNTS RECEIVABLE:

• Post customer payments to accounts.
• o Record immediate write-offs involving nominal discrepancies.
• o Resolve any significant imbalances, including the resolution of any unapproved credits.
• o Follow up on any customer payments that have yet to be received.
• o Process credit card payments in coordination with approved processes.
• o Develop understanding and lead team implementation of automated cash posting.
• Communicate with the credit manager in addressing any ongoing and significant issues with customer statement(s)
• Work on long-term projects (file purges, unclaimed property) as directed.
• Assist with all other accounts receivable functions and make accounts receivable adjustments as needed.

MISCELLANEOUS:

• Reports to the Credit Manager.
• Assist the Credit Manager as needed.
• Frequent contact with sales staff regarding account qualifications.
• Excellent cross-company communication and coordination are required to address issues that are partially outside the credit department's purview, such as sales taxes, warranty credits, and unclaimed property.
• Year-End Inactivation of Accounts.
• Attend monthly credit group meetings as directed.
• Monitor Bankruptcy and other legal notifications.
• Operational proficiency at a level to coach junior members.
• Lead projects such as issuing quarter end and related credits at the direction of the credit manager.

FLSA STATUS - This section identifies whether the position is eligible for overtime pay (Non-Exempt from the wage and hour law) or not eligible for overtime pay (Exempt from the wage and hour law).

• Exempt

QUALIFICATIONS –

• High School diploma with five years' experience in accounting, AR, operations and/or credit management. Associate or bachelor's degree preferred.
• A minimum of 2 to 5 years in Credit or AR, preferably in a wholesale/trade environment, focusing on analysis of creditworthiness and associated financials, AR reporting, and resolving past-due accounts.
• Working knowledge of bond, collection, and lien laws.
• Excellent attention to detail and ability to communicate complex account issues to customers and internal business partners.
• Experience in account reconciliation, credit extension, payment plans, etc.
• Must have excellent written and verbal communication skills.
• Word and Excel proficiency.
• Excellent problem solver and initiative to see a solution to its finish.
• Willingness to learn all aspects of Credit/Collection department functions, including customer collection calls.
• Working knowledge of automated financial and accounts reporting system(s).
• Experience in CSD/Infor is highly preferred.
• Ability to lead and instruct junior team members
• Familiarity with basic accounting principles.
• Good organizational skills.
• Strong contributor with a professional and pleasant demeanor who values team over self in addressing customer concerns. Has no ego in dealing with clients.
• Ability to work independently and fill role of credit manager when necessary
• Meets deadlines.

Competency Profile:

• Financial Analysis and Risk Assessment: Skill in assessing the financial health of businesses or business scenarios by analyzing financial statements, credit history, and market trends. Ability to evaluate creditworthiness accurately and determine risk levels.
• Attention to Detail and Accuracy: Strong ability to identify inconsistencies, errors, or warning signs in financial data and credit applications. Competency in ensuring reliable and precise analysis to minimize financial risk.
• Knowledge of Credit Policies and Regulations: Strong understanding of relevant credit policies, regulatory guidelines, and lending standards to make compliant and ethical credit decisions.
• Decision Making and Problem Solving: Ability to make sound, data-driven decisions based on thorough analysis. Ability to propose effective solutions to mitigate risks while balancing business objectives.
• Communication and Interpersonal Skills: Strong communication skills to explain complex financial information to customers and colleagues, especially when working with other members of the finance team.