AJC Logistics: Credit Specialist

Position Summary:
This position will be responsible for the credit and collections management of assigned Regions and Business Units of AJC Logistics. They will be responsible for managing a portfolio of customers and will report to the Credit Manager. Responsibilities will include evaluating the financial and credit status of potential customers, monitoring existing clients, performing risk assessments, writing detailed reports, and making informed decisions while extending credit. They will also be responsible for collecting on outstanding customer balances and reducing delinquency and bad debt. The Credit Analyst will execute and abide by all Corporate Credit Policies and Procedures.
Qualification, Skills, and Education requirements:

• Bachelor's Degree required in business or related field.
• One (1) to three (3) years of credit and collections experience is preferred.

• Excellent verbal and written communications skills with internal staff and management and external customers.

• Capable of achieving results through others.
• Strong analytical skills to complete credit investigations and make credit recommendations.
• Excellent understanding of current functional trends and processes.
• Analyze information and effectively recommend business solutions that support the Corporate Business Plan and Corporate Credit Policy.
• Detail-oriented self-starter with a strong sense of urgency and the ability to multi-task.
• Excellent time management skills.
• Advanced knowledge in Microsoft Office. Intermediate knowledge of Excel.
• Experience in analyzing business financial statements.
• Self-Motivated.

Language Requirements:
Candidates must read, write, and speak English fluently as the Credit Specialist role requires effective communication with internal and external customers.
Fluency in Spanish also preferred but not required.
Responsibilities:
Collections (50%)

• Monitor and maintain 200 to 300 accounts to ensure quick and consistent receivables turn around.
• Monitor and elevate to management high risk accounts.
• Maintain reasonable current customer receivables based on industry trends on a monthly basis.
• Audit accounts to verify payment and history.
• Submit weekly collections report to Management and Sales General Manager.
• Proactively and effectively collect past due accounts to ensure quick and consistent turn around on A/R, through both e-mail and phone communication.
• Understanding of operational and billing procedures to enhance collection efforts and customer payment behavior
• Check banks to verify incoming money and managing aging accounts to see which customers are priority to collect on first.
• Establish rapport with both customers and internal colleagues and build on those relationships.

Credit Investigation and Risk (30%)

• Ensure customer credit files are efficiently maintained at all times, update references, received payment history, increase or keep current line of credit and communicate action plans.
• Thoroughly complete and process credit applications which include calling references (bank, customers, and vendors).
• Maintain and stay current on annual reviews of accounts and their open limits
• Depending on research collected demonstrate good risk decisions, with an individual approval authority up to $25,000
• Pulling credit reports through several credit agencies.
• Reach out to new and existing customers regarding additional information for business/operating procedures to maintain accounts.
• Forward credit files to credit managers for establishment of new accounts, credit line renewals, and increases for credit lines exceeding $25,000.

Credit Management (20%)

• Set up new customers in internal systems.
• Work with operations to ensure customers are not exceeding credit line and to get documentation needed per customer requests.
• Coordinate and develop action plan with Credit Manager, Sales Managers and Operations when accounts are to be put on hold for exceeding credit lines and/or poor payment history
• Manage customer communication and inquiries related to billing.

Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Because of the open work environment, the noise level is usually moderate. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Use of computers is up to 80% of each day. Currently we are working in the office 3 days a week. Business hours are generally 8:30 - 5:00, with a half hour for lunch. More days in the office may be required as needed and are generally expected in the beginning during the training period.