Credit Analyst

Who We Are/ B&T Values Statement

At Baker & Taylor, we are passionate about changing the world through literacy. We believe that education, access to content, and the freedom to explore are essential. We are dedicated to supporting our library partners across the world who tirelessly provide resources to foster the imagination of future generations and improve outcomes in their communities. Librarians are our heroes and championing and supporting their work is our purpose.

Baker & Taylor is committed to embracing diversity, equity, and inclusion to create an environment that both celebrates and evolves through the unique experiences and contributions of all team members. We are an Equal Opportunity/Affirmative Action employer. We maintain a drug-free workplace and perform pre-employment substance abuse testing.

Who You Are

* You should be able to work independently but also be a collaborative team member.

* Proficiency with technology and the ability to manage tasks efficiently in a fast-paced environment is crucial.

* The role demands careful attention to detail and the ability to juggle multiple priorities effectively.

* You should be able to build and maintain professional relationships with both internal (colleagues) and external (clients, partners) stakeholders.

What You'll Do/ A Day In The Life Typically Includes

* Order & Credit Management: The job will involve approving orders, managing new account approvals, and conducting ongoing credit reviews to ensure the company's financial health.

* Handling Sensitive Accounts: You'll manage sensitive accounts and help resolve any outsourced risk accounts (accounts that may be high risk due to issues like unpaid bills or financial instability).

Essential Duties and Responsibilities(The following statements describe the general nature of work being performed in this job. They are not intended to be an exhaustive list of all duties. Additional responsibilities may be assigned by management):

* Order & Shipment Management: Review customer orders daily and release orders for shipment.

* Credit Assessment: Assess customer creditworthiness using external tools and reports.

* Collection Analysis: Prepare weekly collection analysis and key metrics.

* Financial Decision-Making: Analyze financial statements of major customers to make decisions regarding customer terms and credit availability.

* Debt Management: Identify and mitigate bad debt or financial exposure.

* Documentation: Record daily collections activity and review weekly credit hold reports.

* Customer Interaction: Participate in conference calls with customers to discuss accounts, issues, and resolutions.

* Collaboration: Work with various internal teams (A/R, Sales, Operations) to resolve issues and communicate effectively with external customers.

* Risk Monitoring: Regularly monitor customer behavior to identify risk factors for uncollectible accounts.

* Legal Assistance: Coordinate with legal teams on judgments, lawsuits, bankruptcies, and other legal matters.

* Customer Service: Provide excellent customer service while maintaining relationships and responding to inquiries.

* Compliance: Adhere to company policies and procedures.

* Advanced Research: Conduct research for advanced placements and use skip tracing for past-due customers.

* Collection Activities: Perform proactive collection actions for at-risk customers.

Work Environment

The noise level in the work environment is usually moderate.

Physical Demands

While performing the duties of this job, the employee is required to talk or hear and frequently be required to sit. The employee is occasionally required to stand, walk, use hands and fingers, reach with hands and arms, and lift/move up to 10 lbs. Specific vision requirements include close vision to view PC/CRT.

Note: The requirements listed above are representative of the knowledge, skill, ability, and physical demands required to perform the essential functions of this job successfully. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Benefits

* Participation in company health (medical, dental) insurance plans on the 1st of the month following your hire date

* Company short-term and long-term disability benefits

* Flexible PTO - In recognition of the professional environment in which we work, you will immediately be eligible to participate in the Company's pilot Flex PTO program.

• Under the Flex PTO program, you may use Flex PTO each year for PTO, illness, or other personal time provided in good standing and subject to business needs.
• Importantly, there is no predefined number of Flex PTO days, nor do you earn or accrue paid time off under the Program.

* Career development and advancement opportunities

Required Skills & Experience

* Bachelor's degree in accounting, finance, or business administration (or equivalent experience).

* 3-5 years experience as a credit analyst.

* Strong proficiency in Microsoft Office (Excel, Word, PowerPoint), excellent communication, problem-solving, and analytical skills.

* Ability to work in a team, strong organizational skills, and the ability to prioritize tasks effectively.