Credit Account Specialist, Collections & Risk Analysis
Overview
You will own the full credit portfolio for IFA, managing customer accounts from onboarding through collections across the intermountain region. You will assess creditworthiness, set limits, and resolve billing issues while partnering with sales and accounts receivable. This role balances risk management with customer retention, directly protecting revenue and enabling business growth. You will work onsite in Salt Lake City with a cooperative that values long-term relationships.
What You'll Do10
- 1Evaluate credit applications for new and existing accounts using credit agency reports and trade references to set accurate limits and terms.
- 2Monitor accounts receivable aging daily, flagging overdue invoices and high-risk activity to drive timely collections.
- 3Contact delinquent customers by phone and email to secure payment while preserving positive relationships.
- 4Negotiate structured payment arrangements for customers facing hardship, balancing risk with customer needs.
- 5Research and reconcile billing discrepancies, unidentified payments, and unapplied cash to keep accounts accurate.
- 6Review held orders and decide release based on account standing and company credit policies.
- 7Support internal and external customers by answering inquiries and resolving disputes quickly.
- 8Maintain detailed account records and documentation to support audit compliance and data privacy laws.
- 9Collaborate with sales, accounts receivable, and customer support to onboard new clients and retain existing ones.
- 10Submit invoicing to third-party platforms and handle department phone calls and email responses.
Requirements7
- 11-3 years of accounts receivable, credit, or collections experience.
- 2Some college coursework preferred or formal training through NACM.
- 3Hands-on experience with SAP software is a plus.
- 4Strong analytical skills to break down complex account balances and resolve disputes.
- 5Clear verbal and written communication for cross-departmental coordination and client outreach.
- 6Working knowledge of credit reporting agencies and government agencies for credit checks.
- 7Understanding of fair debt collection practices and data privacy regulations.
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