Credit Analyst

Role Overview

The Credit Management Analyst is responsible for evaluating customer creditworthiness, managing credit risk exposure, and ensuring timely onboarding and credit approvals in alignment with company policies and financial controls. The role collaborates with Sales, Customer Success, and Finance teams to balance risk and revenue while maintaining compliance and accuracy.

Responsibilities

• Monitor credit utilization and past-due percentages to determine actions, including applying or releasing sales blocks.
• Approve or recommend customer credit limits and payment terms based on credit risk models and guidelines.
• Ensure compliance with SOX controls and IFRS/US GAAP standards.
• Facilitate credit committee reviews for high-risk accounts and exceptions.
• Maintain accuracy of credit master data and conduct periodic reassessments.
• Perform credit evaluations such as financial statement analysis, bureau reports, trade references, and banking information.
• Collaborate with Sales and Customer Success teams to support onboarding and balance risk with business objectives.

Qualifications

• Bachelor's degree in finance, Accounting, Business Administration, or related field.
• 4–5 years of experience in credit analysis, collections, or accounts receivable.
• Strong understanding of financial statement analysis and credit scoring methodologies.
• Excellent communication, stakeholder engagement, and negotiation skills.
• Experience with tools such as D&B, Experian, and Moody’s.

Competencies

• Attention to detail and accuracy
• Strong verbal and written communication
• Customer interaction and negotiation
• Team collaboration
• Time management and prioritization

Key Performance Indicators (KPIs)

• Onboarding Turnaround Time (TAT) and Credit Review TAT
• Credit policy compliance (overrides, audit observations)
• Dispute rate and resolution cycle time
• Credit block percentage and recovery efficiency

Our Commitment to a Culture of Inclusion & Belonging Ecolab is committed to fair and equal treatment of associates and applicants and furthering the principles of Equal Opportunity to Employment. We will recruit, hire, promote, transfer and provide opportunities for advancement based on individual qualifications and job performance in all matters affecting employment, compensation, benefits, working conditions, and opportunities for advancement. Ecolab will not discriminate against any associate or applicant for employment because of race, religion, color, creed, national origin,citizenship status, sex, sexual orientation, gender identity and expressions, genetic information, marital status, age, or disability.