Credit Analyst jobs at Goodman Manufacturing

Role: Senior Credit Analyst Engagement: Full Time Salary: $100,000 - $180,000 Base Pay + Startup Equity + World Class Benefits References: We value strong references - 3 work references to corroborate your experience and skills. We will also backchannel references. About Us: Manufactured is a venture backed inventory platform. We are building the first inventory exchange for SMBs creating, making, and selling physical products around the world. We serve customers doing $1M - $100M in annual revenues in Fashion, Accessories, Healthcare, Construction Materials, CPG, Food, Electronics, Home Goods, Industrials, and Commodities. With over 2000+ vendors across 25 countries (and growing), we make the inventory cycle a breeze by handling everything from vendor discovery and negotiation to shipping, warehouse coordination, quality control, PO advances, through to collections. With over $150 million in volume powered by Manufactured since we launched in 2019, we deliver a compelling inventory partnership for fast growing SMBs. We are a post-Product Market Fit, Series A startup that is growing 850% Year on Year. There is tremendous opportunity in our ~27 person team to take ownership, make an impact, and build an extremely rewarding, accomplished career. We don't care about: Where you went to college What you studied If you've worked at blue chip companies We do care about: What you've done What you can do How you'll do it This looks like: Making success a priority: We value ownership, initiative, and tenacity Having a point of view: We hire smart people and want to hear opinions. We're low ego, and we welcome feedback and new ideas informed by data and intuition Being a good person and teammate: We all contribute to a positive, inclusive workplace. Direct communication, kindness, and integrity are non-negotiables You'll be trusted and challenged to do your best work in a fast moving, high performing environment. If this sounds like you, please read on! Manufactured is looking for a self-motivated Senior Credit Analyst who ideally has the following profile: Past experience in Asset based lending, preferably in a startup environment. Past experience with Inventory, Supply Chain, e-Commerce, wholesale, factoring, and retail. Expert knowledge of Financial Analysis, FP&A breakdown, and Data Organization Proven Ability to understand and break down potential Borrowing Capacity at a Financial level using available financial data Ability to apply Financial Analysis and Calculations to Digital Data tables Self-motivated, high integrity, strong collaborator Lifelong learner, Excited by Steep learning curves, new industries, new approaches Product driven mindset Strong problem-solving, mathematical and analytical skills Broad range and curiosity of various markets including manufacturing, sourcing and supply chain Excellent Research skills Excellent written and verbal communication skills - must be able to handle Customer diligence calls. Ability to maintain confidentiality Proficiency with computers and computer software, particularly Excel/Google Sheets High Level Expectations: Ability to work in early stage startup environment Strong Understanding of Credit Risk/ SMB business models and common obstacles Ability to work cross functionally with CEO, COO, Finance, Operations, Product and Engineering internally and with external embedded software vendors and clients Enter, update and retrieve information for financial records Determine the creditworthiness of business applicants & end obligors Designate the degree of risk involved in extending credit by performing a cash flow analysis of each business. Ensure that all approved applications comply with MFD lending criteria Ongoing, self-directed monitoring of industry trends and developments Relationship driven. Collaborative mindset and team spirit. Understand customer needs. Result oriented, over-communicative. Day to Day Responsibilities: Own end-to-end underwriting for SMB credit deals - from gathering docs and analyzing financials to running KYB/KYC checks (UCC, LexisNexis, Allianz) and assessing overall risk. Write clear, actionable credit memos with funding recommendations and present them to our internal credit committee and capital partners. Manage a growing portfolio of SMB loans, track performance, spot red flags early, and keep things on track post-close. Work directly with clients - sending LOIs, explaining terms, and helping them understand the value we bring. Package and share diligence materials with funding partners, walking them through the deal thesis, red/green flags, and overall fit. Partner closely with engineering to improve internal tools, automate manual workflows, and tighten up the credit process. Support capital raise and investor diligence efforts - fast turnarounds, clear data, and no bottlenecks. Maintain and regularly update internal models - requires expert-level Excel/Google Sheets and comfort working with complex, dynamic sheets. Build new models as we launch new products and revenue streams; support 13-week cash flow forecasting and scenario planning. Be a subject matter expert on every approved company - know their financial standing, deal terms, collateral position, and any emerging risks or delays. Must Have Experience / Skills: 3+ years experience at Credit / Asset based Lending to USA / Canada based businesses. Startup / Fintech Experience preferred Demonstrated experience working in a cross functional team. Past experience of operating systems, frameworks and implementing credit policy. Must demonstrate ability to work cross functionally within a specific industry of Inventory / Supply Chain financing. Demonstrated ability to rapidly learn a new skill / business / industry and execute complex projects with a sharp attention to detail. Proficient with Excel, Google Sheets, Adobe Suite, Google Drive, Gmail and Slack. Strong understanding of automation, AI tools and able to leverage software and AI to drive tasks. Detail oriented and highly organized. Nice to Have Experience / Skills: Startup Culture / Experience working in small, agile, fast moving teams. Prior Fintech experience. Past experience working in a fully remote team across time zones. Working at Manufactured: We're a remote first company, based in Los Angeles. Our team is around thirty people strong, and growing quickly. Manufactured is a small, fast growing startup. Which means we deal with ambiguity and require a sense of ownership from all our team members. This is reflected in our core values. Our core values are: Urgency: Always act like an owner, seek help in case of delays beyond 48 hours, move quickly when you have enough information (usually 70-75%), know when to dive in if there's a crisis, and hold true to the best possible timelines without compromising on quality, value or process. Authenticity: Be Authentic, be real, be respectful both, in front of and behind a person's back. If you are frustrated, you're frustrated. If you're stuck, you're stuck. If you're worried, you're worried. Let's support each other in resolving these issues. Be upfront and respectful in your conversation. We are a multi cultural, distributed, global team. Respectful authenticity in communication is critical. Contextual Ownership: Our business is as much about people and relationships as it is about technology and process. We take time to build relationships and understand the needs of our internal and external partners. Context and empathy helps us understand the “why”. We set goals and drive outcomes based on context and realities, rather than tasks and processes alone. Effectiveness: Did it work? Did it solve the problem? Was it a short term hack? or a long term process solution that benefits everyone? Was it something we can use to grow / move forward or was it a defensive solution. Did we meet our stakeholders' expectations, did we exceed them? Did our stakeholders all win? Are you using your time correctly? Are you helping your team members use their time well? Are you contributing to the growth of the company? Critical path thinking: "What is the shortest risk-mitigated route to the Best Potential Outcome?" Our CEO and Founder, Pranay Srinivasan, writes often on LinkedIn about our culture and operating principles. We recommend these articles in particular: Our Core Values Our operating framework: OBAS MFD Legal CCPA Notice to Job Applicants In compliance with the California Privacy Protection Act (“CCPA”), MFD collects the following categories of your personal information for the following uses: Categories of Personal Information collected: If you are a “Job applicant:” Name, Email, and other contact information such as phone, physical address, professional certifications, and prior employment. Purpose of Collecting the Personal Information: If you are a “Job applicant:” We collect your personal information in order to consider your application to be hired by us.

Kravet has been selected as a 2025 US Best Managed Company for the fifth year in a row! Sponsored by Deloitte* Private and The Wall Street Journal, the program recognizes outstanding U.S. private companies and the achievements of their management teams. In addition, Kravet is proud to be Certified™ by Great Place To Work for the third year in a row. The prestigious award is based entirely on what current employees say about their experience working at Kravet Inc. This year, 87% of employees said it's a great place To Work - 30 points higher than the average U.S. company. Position summary: Come join a great team and company! Entry level credit & collection analyst position. Expectation is to monitor customer account activity to minimize credit risk for the company. This is a hybrid role based out of our Woodbury, NY office location. Responsibilities: Review and address all orders which are being held in the system for assigned accounts. Contact accounts as needed regarding open orders and invoices. Collect any open balances for assigned accounts. Analyze assigned accounts to determine and mitigate potential risk of delinquency. Work with the A/R Team to resolve any open issues. Evaluate credit worthiness and review accounts for credit limit increases or decreases. Participate in phone queue and provide excellent customer service to all internal and external customers. Work with Showrooms and Sales Associates to promote sales while minimizing risk. Process account refunds as needed. Job requirements Requirements 2-4 years of experience in a finance related position Excellent communication and analytical skills Familiar with Oracle or similar ERP system. Proficient in Google Sheets and Excel. Pay Range: $25.64 - $30.76 per hour This job posting contains a pay range, which represents the range of salaries or hourly rates that Kravet LLC believes, at the time of this posting, that it might be willing to pay for the posted job. Only where an external candidate has extensive experience, credentials, or expertise that far exceed those required or expected for the position, would Kravet Inc. consider paying a salary or rate near the higher end of the range. More about Kravet LLC The family's commitment to innovation has helped the company transform from a small fabric house to a global leader, representing brands and designers from all over the world. Kravet LLC. owns Kravet, Lee Jofa, Groundworks, GP & J Baker, Brunschwig & Fils and Donghia- specializing in style, luxury and exceptional design. With locations in North America and worldwide, Kravet Inc. offers the highest level of customer service, quality products and web technology for today's design professionals. At Kravet Inc. we value the different social identities that make us who we are. We are committed to a diverse and inclusive workplace that represents the many different cultures, experiences, and viewpoints that reflect our communities. Our promise is to be open to learning and to be an inclusive employer and partner, with thoughtful strategies and practices that amplify the different voices of our industry. This job description has been designed to indicate the general nature and level of work performance by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this position. All done! Your application has been successfully submitted! Other jobs

Job Posting: Since 1953, Ferguson has been a source of quality supplies for a variety of industries. Together We Build Better infrastructure, better homes and better businesses. We exist to make our customers' complex projects simple, successful, and sustainable. We proactively solve problems, adapt and grow to continuously serve our customers, communities and each other. Ferguson, a Fortune 500 company, is proud to provide best-in-class products, service and capabilities across the following industries: Commercial/Mechanical, Facilities Supply, Fire and Fabrication, HVAC, Industrial, Residential Trade, Residential Building and Remodel, Waterworks and Residential Digital Commerce. Ferguson has approximately 36,000 associates across 1,700 locations. Ferguson is a community of proud associates who operate with the shared purpose of building something meaningful. You will build a career that you are proud of, at a company you can believe in. Ferguson is currently seeking a Credit Specialist to join our team! Responsibilities: Work on credit accounts, following guidelines established for the organization Receipt of customer payments, reconciling outstanding account balances, and preparation of periodic reports on accounts receivable and past due status Help customers with questions/problems on their account Perform routine clerical support for functional groups such as copying, distributing mail, performing simple calculations, and maintaining records and files following standard procedures with all work certified or checked by direct supervisor Approve order ticket releases for credit accounts on restriction Send out lien notices/certified letters Provide sign-off on commercial and residential lien waivers Update and summarize receivables Notify/resolve uncollected COD's and processes/resolves NSF checks Research/resolve credit card charge backs Approve tax exempt forms and issue tax credits Process payments for open customer accounts Collection activities including sending follow-up inquiries, negotiating with past due accounts on repayment terms, and decisions on referring accounts to collection agencies and/or writing off accounts receivables Qualifications: Credit experience of 1-3 years Ability to prioritize workload appropriately in order to balance multiple demands and meet timelines as required Effectively communicate in writing and verbally Proficiency in Microsoft Office software (Outlook, Word, Excel, PowerPoint, Access, etc.) Strong and accurate data entry skills Ability to perform basic math functions At Ferguson, we care for each other. We value our well-being just as much as our hard work. We are committed to a holistic approach towards benefits plans and programs that support the mental, physical and financial well-being of our associates. Our competitive offering not only includes benefits like health, dental, vision, paid time off, life insurance and a 401(k) with a company match, but our associates also enjoy additional meaningful and inclusive enhancements that are adaptable to their diverse situations and needs, including mental health coverage, gender affirming and family building benefits, paid parental leave, associate discounts, community involvement opportunities and more! - Pay Range: - $21.63 - $32.45 - Estimated Ranges displayed are Monthly for Salaried roles OR Hourly for all other roles. - This role is Bonus or Incentive Plan eligible. - Ferguson complies with all wage regulations. The starting wage may be higher in certain locations based on local or state wage requirements. - The Company is an equal opportunity employer as well as a government contractor that shall abide by the requirements of 41 CFR 60-300.5(a), which prohibits discrimination against qualified protected Veterans and the requirements of 41 CFR 60-741.5(A), which prohibits discrimination against qualified individuals on the basis of disability. Ferguson Enterprises, LLC. is an equal employment employer F/M/Disability/Vet/Sexual Orientation/Gender Identity. Equal Employment Opportunity and Reasonable Accommodation Information

Job DescriptionJoin LaundryLux Laundrylux is the North American supplier of Electrolux Professional & Wascomat equipment for Laundromats, Coin Laundries & On-Premises Laundries. From financing to repairs, Laundrylux provides a comprehensive set of services to help with all elements of commercial laundry. Credit Analyst The Credit Analyst is responsible for assessing the risks associated with lending activities. This typically involves analyzing financial statements, credit reports, and other relevant data to determine the likelihood of repayment. The analyst aims to support decision-making processes by providing detailed assessments that help the funding institution make informed choices about extending credit. Additionally, they provide superior service and support to our customers. Before we continue to dive into the requirements for the role let's talk about Why you should join LaundryLux? Career Advancement: We offer a career, not just a job. We invest in the personal and professional growth of every employee because we believe growth leads to both business impact and personal fulfillment. Learning and Development: We foster a culture that encourages and promotes professional growth and development, with continuous learning Diversity Initiatives: We are proud to have launched the Women's Initiative focused on building a better workplace for women, providing support, and recognizing the talented women within our company. LaundryLux Benefits: We offer a comprehensive benefits package including: Health benefits package including medical, dental & vision plans Life Insurance 401(k) with company matching Paid Time Off Paid Holidays Profit Sharing Employee Referral Program Mentorship Program Company Sponsored Training Tuition Reimbursement Back to the role: What you will do: Compile and generate comprehensive reports on finance and credit data. Review, analyze, and interpret financial information to support decision-making. Complete and submit loan applications, including detailed credit analyses and summaries of loan requests, to loan committees for approval. Enhance the quality of credit applications through thorough review and feedback. Research, identify, and recommend process improvement opportunities to management. Reconcile customer statements and billing discrepancies to ensure accuracy. Ensure that collateral is perfected in accordance with approved credit decisions. Review loan packages for accuracy and completeness, including business entity documents, prior to preparing loan documents. Prepare documentation for loan modifications, renewals, and extensions. Read and interpret loan documents to ensure understanding and compliance. Create and prepare ad hoc documents as required by specific projects or needs. Enter loan applications into proprietary software systems accurately. Request and review insurance certificates to verify that collateral coverage is adequate. Responsible for the origination of simple loans. Manage and oversee a smaller territory, ensuring the effective administration and servicing of funded loans within that region. What you should have: Strong understanding of loan documentation principles and the perfection of security interests. Ability to effectively manage time to meet deadlines and prioritize tasks. Proficient in negotiating terms and conditions to achieve favorable outcomes. Familiarity with leasing software for efficient management of leases. Skilled in analyzing financial statements to assess financial health. Experienced in using Microsoft Word and Excel for documentation and analysis. Competent in reading and interpreting complex legal documents. Highly analytical with strong critical thinking abilities to solve problems. Detail-oriented, ensuring accuracy and thoroughness in all tasks. Exceptional written and oral communication skills for effective interactions. Confident in making and handling phone calls in a professional manner. Brings energy and enthusiasm to the workplace and team environment. Must be able to work on complex loans. Must be able to read loan documents Education and Experience: Bachelors in finance or related field is required; 1 - 3 years of experience in credit analysis, financial analysis, or a related field is expected. Our Values: People, Share Responsibility, Integrity, Excellence, Customer Focused, Meaningfulness and Fun If you are looking for your next challenge, then this is your chance to join our team of exceptionally talented, creative and innovative professionals. We want you! We are an equal opportunity employer and we are committed to providing reasonable accommodations to individuals with disabilities in all aspects of the employment process. All qualified applicants will receive consideration for employment without regard to age, ancestry, color, family or medical care leave, gender identity or expression, genetic information, marital status, medical condition, national origin, physical or mental disability, political affiliation, protected veteran status, race, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable laws, regulations and ordinances. Our company participates in E-Verify.

Job Posting: We realize that our greatest assets are our best-in-class associates, which is why we're dedicated to offering limitless opportunities for growth and advancement. We want to help you build a long-lasting career with Millennium Lighting. Together, we can continue to lead the industry and help build our nation's infrastructure from the ground up. Join our team today. Millennium Lighting is currently seeking a Credit Specialist to join our team! This is a Hybrid role based out of McDonough, GA, in accordance with Millennium Lighting Flex schedule; 3 days office / 2 days remote. Responsibilities: Work on credit accounts, following guidelines established for the organization Receipt of customer payments, reconciling outstanding account balances, and preparation of periodic reports on accounts receivable and past due status Help customers with inquiries on their account Approve order ticket releases for credit accounts on restriction Update and summarize receivables Notify/resolve uncollected COD's and processes/resolves NSF checks Approve tax exempt forms and issue tax credits Process payments for open customer accounts Review obtained credit information, evaluate credit risk, and approve or decline credit accounts, in accordance with established company policies and terms, in a timely manner. Collection activities including sending follow-up inquiries, negotiating with past due accounts on repayment terms, and decisions on referring accounts to collection agencies and/or writing off accounts receivables Build relationships with customers and the sales team through routine communication. Regular discussion of A/R strategy in cooperation with Area Credit Manager. Qualifications: Credit experience of 0-2 years Ability to prioritize workload appropriately in order to balance multiple demands and meet timelines as required Effectively communicate in writing and verbally Proficiency in Microsoft Office software (Outlook, Word, Excel, PowerPoint, Access, etc.) Strong and accurate data entry skills Ability to perform basic math functions At Millennium Lighting, we care for each other. We value our well-being just as much as our hard work. We are committed to a holistic approach towards benefits plans and programs that support the mental, physical and financial well-being of our associates. Our competitive offering not only includes benefits like health, dental, vision, paid time off, life insurance and a 401(k) with a company match, but our associates also enjoy additional meaningful and inclusive enhancements that are adaptable to their diverse situations and needs, including mental health coverage, gender affirming and family building benefits, paid parental leave, associate discounts, community involvement opportunities and more! - Pay Range: - $21.63 - $32.45 - Estimated Ranges displayed are Monthly for Salaried roles OR Hourly for all other roles. - This role is Bonus or Incentive Plan eligible. - Ferguson complies with all wage regulations. The starting wage may be higher in certain locations based on local or state wage requirements. - The Company is an equal opportunity employer as well as a government contractor that shall abide by the requirements of 41 CFR 60-300.5(a), which prohibits discrimination against qualified protected Veterans and the requirements of 41 CFR 60-741.5(A), which prohibits discrimination against qualified individuals on the basis of disability. Ferguson Enterprises, LLC. is an equal employment employer F/M/Disability/Vet/Sexual Orientation/Gender Identity. Equal Employment Opportunity and Reasonable Accommodation Information

Job Posting: Since 1953, Ferguson has been a source of quality supplies for a variety of industries. Together We Build Better infrastructure, better homes and better businesses. We exist to make our customers' complex projects simple, successful, and sustainable. We proactively solve problems, adapt and grow to continuously serve our customers, communities and each other. Ferguson, a Fortune 500 company, is proud to provide best-in-class products, service and capabilities across the following industries: Commercial/Mechanical, Facilities Supply, Fire and Fabrication, HVAC, Industrial, Residential Trade, Residential Building and Remodel, Waterworks and Residential Digital Commerce. Ferguson has approximately 36,000 associates across 1,700 locations. Ferguson is a community of proud associates who operate with the shared purpose of building something meaningful. You will build a career that you are proud of, at a company you can believe in. Ferguson is currently seeking a Credit Specialist to join our team! Responsibilities: Work on credit accounts, following guidelines established for the organization Receipt of customer payments, reconciling outstanding account balances, and preparation of periodic reports on accounts receivable and past due status Help customers with questions/problems on their account Perform routine clerical support for functional groups such as copying, distributing mail, performing simple calculations, and maintaining records and files following standard procedures with all work certified or checked by direct supervisor Approve order ticket releases for credit accounts on restriction Send out lien notices/certified letters Provide sign-off on commercial and residential lien waivers Update and summarize receivables Notify/resolve uncollected COD's and processes/resolves NSF checks Research/resolve credit card charge backs Approve tax exempt forms and issue tax credits Process payments for open customer accounts Collection activities including sending follow-up inquiries, negotiating with past due accounts on repayment terms, and decisions on referring accounts to collection agencies and/or writing off accounts receivables Qualifications: Credit experience of 3 years or more preferred Ability to prioritize workload appropriately in order to balance multiple demands and meet timelines as required Effectively communicate in writing and verbally Proficiency in Microsoft Office software (Outlook, Word, Excel, PowerPoint, Access, etc.) Strong and accurate data entry skills Ability to perform basic math functions At Ferguson, we care for each other. We value our well-being just as much as our hard work. We are committed to a holistic approach towards benefits plans and programs that support the mental, physical and financial well-being of our associates. Our competitive offering not only includes benefits like health, dental, vision, paid time off, life insurance and a 401(k) with a company match, but our associates also enjoy additional meaningful and inclusive enhancements that are adaptable to their diverse situations and needs, including mental health coverage, gender affirming and family building benefits, paid parental leave, associate discounts, community involvement opportunities and more! - Pay Range: - $25.04 - $37.56 - Estimated Ranges displayed are Monthly for Salaried roles OR Hourly for all other roles. - This role is Bonus or Incentive Plan eligible. - Ferguson complies with all wage regulations. The starting wage may be higher in certain locations based on local or state wage requirements. - The Company is an equal opportunity employer as well as a government contractor that shall abide by the requirements of 41 CFR 60-300.5(a), which prohibits discrimination against qualified protected Veterans and the requirements of 41 CFR 60-741.5(A), which prohibits discrimination against qualified individuals on the basis of disability. Ferguson Enterprises, LLC. is an equal employment employer F/M/Disability/Vet/Sexual Orientation/Gender Identity. Equal Employment Opportunity and Reasonable Accommodation Information

Job Description Job Summary: The Credit Analyst is responsible for activities involving the extension of credit to both new and existing customers in alignment with the Company's Credit Policy. This position will assist the Credit & Collections Supervisor in managing the Company's risk associated with extending credit and ensure timely opening of customer accounts. The incumbent in this position is expected to model the following practices on a daily basis: 1) Demonstrate alignment with the company's mission and core business values; 2) Collaborate with key internal/external resources; 3) Participate in ongoing self-development. What can HOLT Group offer you? A competitive salary, commensurate with your experience and competencies. A comprehensive and robust benefits program that includes complete health care, 401(k) matching & Profit-Sharing plan (ROTH and traditional), paid holidays, and a front-loaded PTO program. A Tuition Reimbursement program to support the pursuit of accredited college courses. An employee development program with professional development staff that allows you to grow your skills and build your competencies to prepare you for future opportunities at HOLT. Qualifications and Requirements: High school diploma or equivalent required, Bachelor's Degree in Finance, Accounting or Business preferred Minimum one year of experience required, three or more years of experience preferred Knowledge of general accounting and billing procedures Intermediate MS Office skills (ex. Excel, PowerPoint, Word, etc.) Strong research, investigation skills and good judgement skills Ability to plan, prioritize and organize effectively Exceptional business acumen and attention to detail and accuracy Ability to successfully influence and persuade Ability to interact with tact and courtesy and maintain a professional manner Strong interpersonal communication skills including both written and oral Ability to work independently and within a team in a fast-paced, high volume environment with emphasis on accuracy and timeliness Ability to read, write, and understand information Essential Functions: Analyzes credit reporting data and financials for new and existing customers to determine credit worthiness Assigns appropriate credit limits and any requirements or restrictions required to minimize risk Periodically reviews customer credit limits, account status codes, and makes adjustments based on analysis of financials, payment history, and company policy Requests and process updated credit applications on existing accounts according to the Company's credit policy Provides recommendations based on the assessment of new and existing customer's credit worthiness. Requires regular and punctual employee attendance Works safely at all times and adheres to all applicable safety policies; complies with all company policies, procedures, and standards Performs other duties as assigned Supervisory Responsibilities: None Travel: Travel up to 10% is to be expected Physical Requirements: This position involves extended periods in a stationary position; additionally, occasional standing, walking, and stooping Constant movement and use of limbs; this position requires good manual dexterity, coordination, and stamina Occasionally moves materials or equipment weighing up to 10 lb. This role frequently communicates with others, must be able to exchange accurate information in these situations This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines Work Environment: This job is performed primarily inside an office environment Disclaimer: Please note that the above statements are intended to describe the general nature and level of work being performed by employees assigned to this classification. They are not to be interpreted as an exhaustive list of all responsibilities, duties, and skills required of the incumbents so classified. All incumbents may be required to perform duties outside of their normal responsibilities, as needed.

**Job Posting:** Since 1953, Ferguson has been a source of quality supplies for a variety of industries. Together We Build Better infrastructure, better homes and better businesses. We exist to make our customers' complex projects simple, successful, and sustainable. We proactively solve problems, adapt and grow to continuously serve our customers, communities and each other. Ferguson, a Fortune 500 company, is proud to provide best-in-class products, service and capabilities across the following industries: Commercial/Mechanical, Facilities Supply, Fire and Fabrication, HVAC, Industrial, Residential Trade, Residential Building and Remodel, Waterworks and Residential Digital Commerce. Ferguson has approximately 36,000 associates across 1,700 locations. Ferguson is a community of proud associates who operate with the shared purpose of building something meaningful. You will build a career that you are proud of, at a company you can believe in. **Overall Job Objective:** The Credit Specialist will be managing a portfolio of process focused customers and national accounts **Responsibilities:** + Manage customers utilizing portals for purchase order delivery, invoicing, and payment, and handle a wide variety of credit and collection functions. + Monitor invoice status and root cause issues within portals like Ariba, Coupa, Taulia, etc., and collaborate with EDI/E-Business for new or updated invoice submission automation/integration needs. + Handle sophisticated, large, or difficult credit accounts, ensuring positive customer relations and minimizing outstanding debts. + Maintain consistency between credit and collection activities and the organization's overall customer relations strategy. + Implement credit policies to maintain an acceptable risk level, prompt repayments, minimize losses, and efficiently collect arrears. + Contact customers regarding delinquent payments, prepare reports reflecting credit and collection status, and identify/address problem debts. + Participate in associate meetings, communicate concerns to management, and spend time strengthening internal and external relationships. + Support enterprise business and sales objectives through efficient performance of job responsibilities. **Qualifications:** + 3-5 years of experience in credit management or similar roles. + Proficiency in Microsoft Office software (Outlook, Word, Excel, PowerPoint, Access, etc.). + Knowledge of Bectran, Billtrust, Cash App, PowerBI, and Levelset platforms. + Ability to develop and deliver effective presentations and use Ferguson's inventory, logistics, and customer relationship management systems. At Ferguson, we care for each other. We value our well-being just as much as our hard work. We are committed to a holistic approach towards benefits plans and programs that support the mental, physical and financial well-being of our associates. Our competitive offering not only includes benefits like health, dental, vision, paid time off, life insurance and a 401(k) with a company match, but our associates also enjoy additional meaningful and inclusive enhancements that are adaptable to their diverse situations and needs, including mental health coverage, gender affirming and family building benefits, paid parental leave, associate discounts, community involvement opportunities and more! - **Pay Range:** - $21.63 - $32.45 - **_Estimated Ranges displayed are Monthly for Salaried roles_** **OR** **_Hourly for all other roles._** - This role is Bonus or Incentive Plan eligible. - Ferguson complies with all wage regulations. The starting wage may be higher in certain locations based on local or state wage requirements. - _The Company is an equal opportunity employer as well as a government contractor that shall abide by the requirements of 41 CFR 60-300.5(a), which prohibits discrimination against qualified protected Veterans and the requirements of 41 CFR 60-741.5(A), which prohibits discrimination against qualified individuals on the basis of disability._ _Ferguson Enterprises, LLC. is an equal employment employer_ _F/M/Disability/Vet/Sexual_ _Orientation/Gender_ _Identity._ Equal Employment Opportunity and Reasonable Accommodation Information (******************************************************************

Job Posting: Since 1953, Ferguson has been a source of quality supplies for a variety of industries. Together We Build Better infrastructure, better homes and better businesses. We exist to make our customers' complex projects simple, successful, and sustainable. We proactively solve problems, adapt and grow to continuously serve our customers, communities and each other. Ferguson, a Fortune 500 company, is proud to provide best-in-class products, service and capabilities across the following industries: Commercial/Mechanical, Facilities Supply, Fire and Fabrication, HVAC, Industrial, Residential Trade, Residential Building and Remodel, Waterworks and Residential Digital Commerce. Ferguson has approximately 36,000 associates across 1,700 locations. Ferguson is a community of proud associates who operate with the shared purpose of building something meaningful. You will build a career that you are proud of, at a company you can believe in. Overall Job Objective: The Credit Specialist will be managing a portfolio of process focused customers and national accounts Responsibilities: Manage customers utilizing portals for purchase order delivery, invoicing, and payment, and handle a wide variety of credit and collection functions. Monitor invoice status and root cause issues within portals like Ariba, Coupa, Taulia, etc., and collaborate with EDI/E-Business for new or updated invoice submission automation/integration needs. Handle sophisticated, large, or difficult credit accounts, ensuring positive customer relations and minimizing outstanding debts. Maintain consistency between credit and collection activities and the organization's overall customer relations strategy. Implement credit policies to maintain an acceptable risk level, prompt repayments, minimize losses, and efficiently collect arrears. Contact customers regarding delinquent payments, prepare reports reflecting credit and collection status, and identify/address problem debts. Participate in associate meetings, communicate concerns to management, and spend time strengthening internal and external relationships. Support enterprise business and sales objectives through efficient performance of job responsibilities. Qualifications: 3-5 years of experience in credit management or similar roles. Proficiency in Microsoft Office software (Outlook, Word, Excel, PowerPoint, Access, etc.). Knowledge of Bectran, Billtrust, Cash App, PowerBI, and Levelset platforms. Ability to develop and deliver effective presentations and use Ferguson's inventory, logistics, and customer relationship management systems. At Ferguson, we care for each other. We value our well-being just as much as our hard work. We are committed to a holistic approach towards benefits plans and programs that support the mental, physical and financial well-being of our associates. Our competitive offering not only includes benefits like health, dental, vision, paid time off, life insurance and a 401(k) with a company match, but our associates also enjoy additional meaningful and inclusive enhancements that are adaptable to their diverse situations and needs, including mental health coverage, gender affirming and family building benefits, paid parental leave, associate discounts, community involvement opportunities and more! - Pay Range: - $21.63 - $32.45 - Estimated Ranges displayed are Monthly for Salaried roles OR Hourly for all other roles. - This role is Bonus or Incentive Plan eligible. - Ferguson complies with all wage regulations. The starting wage may be higher in certain locations based on local or state wage requirements. - The Company is an equal opportunity employer as well as a government contractor that shall abide by the requirements of 41 CFR 60-300.5(a), which prohibits discrimination against qualified protected Veterans and the requirements of 41 CFR 60-741.5(A), which prohibits discrimination against qualified individuals on the basis of disability. Ferguson Enterprises, LLC. is an equal employment employer F/M/Disability/Vet/Sexual Orientation/Gender Identity. Equal Employment Opportunity and Reasonable Accommodation Information

Job Details Waco SS - Waco, TX Full Time AccountingDescription This position will be responsible for processing new customer credit applications and making changes to existing customer files as requisitions along with other duties listed below. This position will also provide support to business units and various departments across the organization. ESSENTIAL FUNCTIONS Reasonable Accommodations Statement To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable Accommodations may be made to enable qualified individuals with disabilities to perform the essential functions. Essential Functions Statement(s) Process, validate and review customer credit applications Verify and validate application information Pull and analyze Dun and Bradstreet reports Verify Trade References Analyze personal guarantee information Fraud verification review Analyze and assign credit limits Sets up COD accounts as requested Report monthly customer payment files to Dun & Bradstreet Research and resolve customer inquiries/disputes through Dun & Bradstreet Collaborate with Accounts Receivable team and branches to maintain and update customer accounts Respond to customer credit reference requests Generate and provide monthly statements to customers Update and maintain customer Certificate of Insurance verification Reconcile 3rd party collection billings Perform other duties as assigned Qualifications SKILLS & ABILITIES Education: High school diploma required; Associates or Bachelors degree preferred Experience: 2+ years of credit/customer service Computer Skills: Strong computer skills in the operation of all programs used by the organization including Microsoft Word, Excel and Google Applications #LI-CR1 WORK ENVIRONMENT Work environment varies from office to job site to industrial locations OUR CORE VALUES Passion to Perform- We are passionate to perform and focus on concrete achievements Trust to Act- We are empowered to act, and act in a powerful way Act Responsibly- We are responsible for our actions and the consequences they have for our stakeholders and our environment Make it Fun!- We are serious about making work fun; its the way we do things An Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability. The Company has reviewed this to ensure that essential functions and basic duties have been included. It is intended to provide guidelines for job expectations and the employee's ability to perform the position described. It is not intended to be construed as an exhaustive list of all functions, responsibilities, skills and abilities. Additional functions and requirements may be assigned by supervisors as deemed appropriate. This document does not represent a contract of employment, and the Company reserves the right to change this job description and/or assign tasks for the employee to perform, as the Company may deem appropriate.

Summary/Objective: Credit Analyst/Officer Credit Department Exempt VP and Credit Manager of the Region Responsible for preparation of credit assessment and other administrative matters in connection with credit. Essential Functions: Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Analyze financial statements, tax returns with emphasis on cashflow, profitability and liquidity Review property appraisals, environmental reports and evaluate suitability as loan collaterals Assessment preparations, interpret financial ratios and significance of various financial ratios Discuss and meet with front office staff on prospective customers, visit collateral properties Prepare department reports, order appraisals, review loan documents, approve GCMS transactions and other responsibilities as required. Competencies: In order to perform the job successfully, an individual should demonstrate the following competencies: Knowledge of international trade finance functions, documents and procedures Working knowledge of accounting principal, property appraisals and environmental reports 3 Basic banking practice and bank procedures, UCC and loan agreements Proficiency in Excel, Word, Power Point office software Business writing, local rent control ordinances, Alice Act desired Supervisory Responsibility: None Physical Demands: This is largely a sedentary role, requiring use of typical office equipment such as a computer, laptop and cell phone. Most work is completed in an office environment. Walking around the office and talking to employees and supervisors is required. Travel Requirements: Some local travel to meet with customers or visit collateral hence a valid driver's license is required Required Education and Experience: Bachelor's degree (B. A. or B. S.) from four-year college or university. Two to five years of related experience and/or training. Equivalent combination of education and experience. Additional Qualifications: Knowledge of real estate industry, title insurance industry a plus Language/Communication Skills: Good English and Chinese language skills and good writing skills Other Duties: Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. It is understood and agreed that the employee may be required to perform additional duties as assigned by the employee's supervisor or Manager. Risk Management Responsibilities: provide first line with advisory guidance and routinely monitor for compliance, assess risks and the activities to mitigate the risks. has sufficient authority, stature, independence, resources and access to the credit management to raise risks and concerns.

At Fitch, we have an open culture where employees are able to exchange ideas and perspectives, throughout the organization, irrespective of their seniority. Your voice will be heard allowing you to have a real impact. We embrace diversity and appreciate authenticity encouraging an environment where employees can be their true selves. Our inclusive and progressive approach helps us to keep a balanced perspective. Fitch is also committed to supporting its employees by advancing conversations around diversity, equity and inclusion. Fitch's Employee Resource Groups (ERGs) have been established by employees who have joined together as a workplace community based on similar backgrounds or life experiences. Fitch's ERGs are available to connect employees with others within the organization to offer professional and personal support. With our expertise, we are not only creating data and information, but also producing timely insights from every angle to influence decision making in this ever changing and highly competitive market. We have a relentless hunger to innovate and unlock the power of human insights and to drive value for our customers. There has never been a better time to make an impact and we invite you to join us on this journey. US Corporates - Credit Analyst, Director - Utilities & Midstream Fitch's North American Corporates Group is seeking Senior Director for coverage of the Utilities and Midstream sector, either in our New York, Chicago, or Toronto office. Qualitative credentials will weigh meaningfully in the selection of the candidate. A healthy sense of intellectual curiosity is critical, along with a demonstrated willingness and ability to attack and explain topics of analytical complexity. Fitch is a team-oriented work environment, so excellent communication skills are essential, as is a high productivity work-ethic and results oriented mindset. What We Offer: An opportunity to be a lead coverage analyst at a global rating agency. A team-oriented work environment. Fitch Ratings is a global company with a presence in over 30 countries, offering opportunities to work with diverse teams and clients from around the world. We'll Count on You To: Perform analysis of key quantitative and qualitative factors influencing credit quality of companies in the Utilities and Midstream sectors; Develop and maintaining comprehensive financial models; Conduct meetings with Retail & Consumer industry management teams; Present analysis of companies to internal credit rating committees; Involvement in communicating rating rationale to external audiences (primarily institutional investors, sell-side analysts and media) in meetings, conference calls, press releases and written research reports; Write timely and effective research on topical issues Participate in the evaluation of other credits within Corporates, as well as other related credit groups. Represent Fitch in panel discussions and conferences arranged by industry associations, regulatory bodies etc. Mentor junior members of the Utilities & Midstream sector. The role may include managerial responsibilities. What You Need to Have: Bachelor's degree at minimum, MBA or other advanced degree a plus; CFA/CPA or CFA candidate preferred; 5-10 years relevant experience, some coverage or knowledge of the Utilities and Midstream sectors a plus; Capital markets and/or credit analysis experience a plus; Expertise in Excel and Word; Strong analytical, quantitative, and organizational skills; Excellent written and verbal communication skills; Ability to shift fluidly between multiple projects as priorities change; Ability to excel in a team-oriented environment. What Would Make You Stand Out: Some knowledge of and a keen interest in learning more about the Utilities and Midstream industries; Professional background in capital markets and/or credit analysis and well-developed financial statement analysis skills; Desire to deepen their exposure to and understanding of the debt capital markets; A strong pattern of leadership and the ability to proactively and successfully interact with various stakeholders, both within and outside of the organization; Why Fitch? At Fitch Group, the combined power of our global perspectives is what differentiates us. Our global network of colleagues comes together to accomplish things greater than they ever could alone. Every team member is essential to our business and each perspective is critical to our success. We embrace a diverse culture that encourages a free exchange of ideas, guaranteeing your voice will be heard and your work will have an impact, regardless of seniority. We are building incredible things at Fitch and we invite you to join us on our journey. Fitch Group is a global leader in financial information services with operations in more than 30 countries. Wholly owned by the Hearst Corporation, we are comprised of three main businesses: Fitch Ratings | Fitch Solutions | Fitch Learning. For more information please visit our websites: ******************** | ********************** | ********************* Fitch is committed to providing global securities markets with objective, timely, independent and forward-looking credit opinions. To protect Fitch's credibility and reputation, our employees must take every precaution to avoid conflicts of interests or any appearance of a conflict of interest. Should you be successful in the recruitment process at Fitch Ratings you will be asked to declare any securities holdings and other potential conflicts prior to commencing employment. If you, or your immediate family, have any holdings that may conflict with your work responsibilities, you may be asked to divest yourself of them before beginning work. Fitch is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, protected veteran status, sexual orientation, gender expression, gender identity or any other characteristic protected by law. FOR NEW YORK AND CALIFORNIA ROLES ONLY: Expected base pay rates for the role will be between $140,000 and $180,000. Actual salaries will be determined on an individualized basis and may vary based on factors including but not limited to education, training, experience, past performance, and other job-related factors. Base pay is one part of Fitch's total compensation package, which, depending on the position, may also include commission earnings, discretionary bonuses, long-term incentives, and other benefits sponsored by Fitch. #LI-RA1 #LI-HYBRID

Job Posting: Since 1953, Ferguson has been a source of quality supplies for a variety of industries. Together We Build Better infrastructure, better homes and better businesses. We exist to make our customers' complex projects simple, successful, and sustainable. We proactively solve problems, adapt and grow to continuously serve our customers, communities and each other. Ferguson, a Fortune 500 company, is proud to provide best-in-class products, service and capabilities across the following industries: Commercial/Mechanical, Facilities Supply, Fire and Fabrication, HVAC, Industrial, Residential Trade, Residential Building and Remodel, Waterworks and Residential Digital Commerce. Ferguson has approximately 36,000 associates across 1,700 locations. Ferguson is a community of proud associates who operate with the shared purpose of building something meaningful. You will build a career that you are proud of, at a company you can believe in. Overall Job Objective: The Credit Specialist will be managing a portfolio of process focused customers and national accounts Responsibilities: Manage customers utilizing portals for purchase order delivery, invoicing, and payment, and handle a wide variety of credit and collection functions. Handle sophisticated, large, or difficult credit accounts, ensuring positive customer relations and minimizing outstanding debts. Maintain consistency between credit and collection activities and the organization's overall customer relations strategy. Engage in regular face-to-face interactions with customers and sales representatives through on-site visits and field meetings. Implement credit policies to maintain an acceptable risk level, prompt repayments, minimize losses, and efficiently collect arrears. Contact customers regarding delinquent payments, prepare reports reflecting credit and collection status, and identify/address problem debts. Participate in associate meetings, communicate concerns to management, and spend time strengthening internal and external relationships. Support enterprise business and sales objectives through efficient performance of job responsibilities. Monitor invoice status and root cause issues within portals like Ariba, Coupa, Taulia, etc., and collaborate with EDI/E-Business for new or updated invoice submission automation/integration needs. Qualifications: 3-5 years of experience in credit management or similar roles. Proficiency with computers especially Microsoft Office software (Outlook, Word, Excel, PowerPoint, Access, etc.). Demonstrates high emotional intelligence with the ability to think quickly and make sound, confident decisions under pressure. Ability to develop and deliver effective presentations and use Ferguson's inventory, logistics, and customer relationship management systems. At Ferguson, we care for each other. We value our well-being just as much as our hard work. We are committed to a holistic approach towards benefits plans and programs that support the mental, physical and financial well-being of our associates. Our competitive offering not only includes benefits like health, dental, vision, paid time off, life insurance and a 401(k) with a company match, but our associates also enjoy additional meaningful and inclusive enhancements that are adaptable to their diverse situations and needs, including mental health coverage, gender affirming and family building benefits, paid parental leave, associate discounts, community involvement opportunities and more! - Pay Range: - $22.71 - $34.07 - Estimated Ranges displayed are Monthly for Salaried roles OR Hourly for all other roles. - This role is Bonus or Incentive Plan eligible. - Ferguson complies with all wage regulations. The starting wage may be higher in certain locations based on local or state wage requirements. - The Company is an equal opportunity employer as well as a government contractor that shall abide by the requirements of 41 CFR 60-300.5(a), which prohibits discrimination against qualified protected Veterans and the requirements of 41 CFR 60-741.5(A), which prohibits discrimination against qualified individuals on the basis of disability. Ferguson Enterprises, LLC. is an equal employment employer F/M/Disability/Vet/Sexual Orientation/Gender Identity. Equal Employment Opportunity and Reasonable Accommodation Information

Interface is a global flooring solutions company and sustainability leader, offering an integrated portfolio of carpet tile and resilient flooring products that includes Interface carpet tile and LVT, nora rubber flooring, and FLOR premium area rugs for commercial and residential spaces. Made with purpose and without compromise, Interface flooring brings more sophisticated design, more performance, more innovation, and more climate progress to interior spaces. A decades-long pioneer in sustainability, Interface remains "all in" on becoming a restorative business. Today, the company is focusing on carbon reductions, not offsets, as it works toward achieving its verified science-based targets by 2030 and its goal to become a carbon negative enterprise by 2040. The Credit Analyst is responsible for reviewing and analyzing financial information to determine a customer's credit worthiness. This role is responsible for managing accounts receivable. It also has responsibility for daily orders and ensuring compliance with credit policy. This position is responsible for managing the collections related to their accounts receivable region. Educational requirements: * High school diploma required * College degree in Business, Accounting or related credit field, preferred Skills and experience: * Strong organizational and time management skills * Collection and/or previous credit experience required, 5 years preferred * Excellent verbal and written communication skills * Strong analytical ability * Prior management experience, preferred * Ability to exercise independent judgement and be objective * Proficiency in Microsoft Office 365 required * Experience with JD Edwards Enterprise One preferred * Knowledge of liens and bonds preferred Essential duties: * Manage accounts receivables * Review and analyze financial information to determine customer credit worthiness * Maintain customer accounts, including financial information and D&B reporting, to comply with company credit policy * Work closely with order entry/customer service to ensure accuracy of orders & billing * Maintain communication and negotiations with customers to accommodate orders for credit approval * Follow individual state lien laws in a timely manner * Maintain housekeeping * Comply with safety rules * Comply with environmental regulations * Be aware of departmental Material Safety Data Sheets (MSDS) * Perform other duties as assigned Physical demands: Sitting for long periods Work environment: * The role requires the person to be on-site 5 days per week in the beginning. Then, it will move to a hybrid schedule (3 days in office, 2 days from home) * May require flexible hours #LI-Hybrid 3 - Associate / Professional / Individual Contributor / Team Lead We are a VEVRAA Federal Contractor. We desire priority referrals of Protected Veterans for job openings at all locations within the State of Georgia. An Equal Opportunity Employer including Veterans and Disabled.

Job Details Tire Distributor Xperts HQ - Gardena, CA Full Time $75000.00 - $85000.00 Salary/year AccountingDescription JOB TITLE: Senior Credit Analyst TEAM MEMBER PERKS Along with a competitive paycheck, you will also get to enjoy a full suite of benefits including: Sick Time - 5 days Vacation Time - Earn up to 2-weeks on your first year of employment Paid Holidays and Floating Holidays Premium FREE Medical and Dental coverage options Vision Insurance 401(k) with company matching Life Insurance Discounts on Tires and Wheels Opportunity for advancement WE WANT TO HEAR FROM YOU IF YOU Pride yourself in problem solving/analysis Are results driven and customer oriented Have high attention to detail, accuracy and are highly organized Pride yourself on your ability to interpret and analyze complex data/analytics ESSENTIAL RESPONSIBILITIES: Perform detailed financial statement analysis of new and existing customers to assess creditworthiness Evaluate credit applications, trade references, credit reports, and industry-specific risk factors Identify high-risk accounts and recommend strategies for mitigation (e.g., tighter terms, collateral, guarantees) Partner with collections to resolve overdue accounts and minimize bad debt exposure Work closely with Sales, Finance, and Operations to balance risk with growth opportunities Advise senior management on credit exposures, trends, and portfolio health Recommend improvements to credit procedures, controls, and risk management processes Participate in internal audits and provide documentation as required Prepare monthly reports on credit exposure, delinquency trends, and aging performance Provide management with early warning signals and actionable insights REQUIRED QUALIFICATIONS AND SKILLS: Bachelor's degree in Finance, Accounting, Economics, or a related field (MBA/CPA/CFA preferred) 7-10 years of credit risk/credit analysis experience, preferably in distribution, wholesale, or automotive/tire industry Strong knowledge of financial statement analysis, cash flow assessment, and credit risk modeling Proficiency with ERP systems and credit bureau tools (e.g., D&B, Experian) Excellent analytical, problem-solving, and communication skills Ability to work cross-functionally and influence decisions at senior levels

Summer 2026 Internship Opportunity! Title: Credit Intern Are you ready to kickstart your career with a company that's making a global impact? Carboline is looking for motivated, curious, and driven students to join our team for an unforgettable summer internship experience! This immersive 12-week program (Anticipated: May 18, 2026 - August 7, 2026), offers a unique opportunity to gain valuable experience, build lasting connections, and make a meaningful impact-all before heading back to campus. Jumpstart your career with a hands-on internship in our Credit Department at Corporate Headquarters. As a Credit Intern, you'll gain real-world experience through impactful summer projects, learning the ins and outs of credit operations while collaborating with experienced professionals. Along the way, you'll grow your network through mentorship, peer connections, and exposure to senior leadership-building both your industry knowledge and professional confidence. What You'll Gain: * Meaningful, hands-on experience working on impactful projects that contribute to Carboline's success. * Exposure to cross-functional collaboration and insight into how a global organization operates. * Professional development opportunities, including mentorship from experienced leaders. * A chance to enhance your skills and apply classroom knowledge in a real-world setting. * Participation in team-building activities and a workplace culture that values innovation, integrity, and growth. Minimum Requirements: * Currently pursuing a degree in Finance or a related field. * Available to work 30-40 hours per week from May through August. * Strong communication, organization, teamwork, and interpersonal skills. * A proactive attitude and willingness to learn. Physical Requirements: * Primarily office-based with extended computer use (up to 8 hours/day). * Students must have housing arrangements in or near St. Louis, MO for the summer, as housing allowance is not provided. * No unusual lifting, environmental, or exertion requirements. Essential Functions: * Bring curiosity and a growth mindset to learning credit processes and financial systems. * Reconcile customer accounts promptly to ensure accuracy and up-to-date records. * Review and evaluate credit data-including bank/trade references, D&B reports, and financial statements-to support credit limit decisions. * Proactively follow up with customers on past-due accounts using aging reports and maintain consistent communication. * Communicate clearly and professionally across all channels with strong verbal and written skills. * Leverage Microsoft Excel and Word to support credit analysis and reporting tasks. * Collaborate across departments to support credit operations and contribute to team goals. * Apply critical thinking and creativity to identify solutions and improve processes. * Champion Carboline's commitment to safety and quality by adhering to all relevant policies and procedures. Who We Are: Carboline is a St. Louis-based coatings manufacturer with a global reach. The company, founded in 1947, produces high-quality performance coatings, linings, and fireproofing products in more than 20 manufacturing facilities around the world. Carboline has been ranked a top workplace, so culture and maintaining a safe and clean work environment is something we take very seriously. Carboline is part of RPM International Inc., a $7.6 billion, multinational company with subsidiaries that are world leaders in specialty coatings, sealants, building materials and related services. From homes and workplaces to infrastructure and precious landmarks, RPM's market-leading brands are trusted by consumers and professionals alike to help build a better world. If you want to be part of a growing global organization with opportunity for growth, we would like to meet you. What We Offer: We offer a team atmosphere that fosters cooperation and creativity; a management team committed to employee development and an environment where people are empowered to make decisions. Our career opportunities offer unlimited earnings potential, and our comprehensive benefits package is among the best in the industry which includes affordable benefits, a company match 401K plan and a retirement pension plan. Carboline is an Equal Opportunity Employer that values the strength diversity brings to the workplace. Individuals with Disabilities and Protected Veterans are encouraged to apply. "In order to be the best, we must hire the best."

SC JOHNSON IS A FIFTH-GENERATION FAMILY COMPANY BUILT ON THE SPIRIT OF OUR PEOPLE. We have been leading with purpose for over 130 years, building iconic brands that win the hearts and minds of consumers - such as Raid , Glade , Ziploc and more, in virtually every country around the world. Together, we are creating a better future - for the planet, for future generations and for every SCJ team member. Join our winning team of Wave Makers and Go Getters and help us write the next chapter in the SCJ story. ABOUT THE ROLE As the Senior Analyst - Accounts Receivable, Credit and Collections you will play a key role within the North America Credit Operations team, reporting to the North America Manager and working alongside a team of specialists focused on both Collections and Credit. In this position you will be responsible for managing a portfolio of Canadian customers, conducting financial reviews to establish credit limits, and approving order releases. Success in this role depends on effective collaboration with cross-functional teams to ensure a seamless order-to-cash process and adherence to best practices, policies, and controls. KEY RESPONSIBILITIES Perform credit and financial analysis on customers within portfolio. Lead financial meetings with customers to complete a risk assessment. Develop direct customer contacts and knowledge of customer operations to be able to establish risk category credit limit and release orders for assigned accounts. Develop and maintain knowledge and understanding of the legal aspects of credit management, collections, cash flow management and bankruptcy laws. Understand the order-to-cash cycle. Perform root cause analysis on issues and participate actively in the resolution of same. Participate in trade credit groups throughout the year. Develop relationships with our peers in the industry for the purpose of exchanging information on common customers and learning about our profession. Provide escalation collection assistance to NA Credit & Collection Sr. Specialist/Specialist. Special projects as directed by the NA Credit & Collection Manager. REQUIRED EXPERIENCE YOU'LL BRING Minimum of 4 years experience in an Accounts Receivable or Credit role. Bachelor Science/Bachelor Arts in Finance/Accounting required. Qualified candidates must be legally authorized to work in the United States without the need for current or future sponsorship for full-time employment. PREFERRED EXPERIENCES AND SKILLS Proficiency in Microsoft Office Suite with strong analytical capabilities in Excel. Strong ability and proven success to decipher financial statements and identify issues and problems that would affect a customer's ability to pay invoices. Able to build relationships with key internal and external stakeholders. Experience with SAP A/R and Credit Management. Results-focused, w/record of issue identification & ability to influence & deliver results. Ability to manage competing priorities and deliver on multiple deadlines. Strong communication skills, both written and verbal, with ability to adapt styles across organizational levels. Qualified candidates may have the opportunity to advance within SCJ's Accounts Receivable department or rotate to other NA Shared Service Center or Finance positions within the organization. JOB REQUIREMENTS Full time position with core hours from 9am to 3pm CST. Office work environment: Remote work available once a week for eligible employees. Occasional travel to customers or credit conferences/groups (1-3 times/year). This role is not eligible for domestic relocation. BENEFITS AND PERKS SC Johnson's total compensation packages are at or above industry levels. In addition to salary, total packages may include bonuses, long-term incentives, matching 401(k) contributions and profit sharing based on company profitability, job level and years of service. As a family company, we're committed to providing benefits such as subsidized health care plans, maternity/paternity/adoption leave, flexible work arrangements, vacation purchase options, recreation and fitness centers, childcare, counseling services and more. Inclusion & Diversity We're a global business, with people from every culture, ethnicity, race, religion, gender identity, sexual orientation, age and ability. We recognize the breadth of human experience, and we work to celebrate it. It is our goal to build a diverse, inclusive and supportive work environment where all people can thrive. We're committed to ongoing efforts that help us attract, hire, and retain diverse talent who want to build a positive, inclusive environment. Read more about our ongoing initiatives at ************************************* Better Together At SC Johnson, we strive to create a positive, inclusive and unique workplace. We strongly believe SCJ people are able to achieve their best when they can collaborate and work together in person. Equal Opportunity Employer The policy of the Company is to ensure equal opportunity for all qualified applicants and employees without regard to race, color, religion, gender, marital status, sexual orientation, national origin, ancestry, age, gender identity, gender expression, disability, citizenship, pregnancy, veteran status, membership in any active or reserve component of the U.S. or state military forces, genetic history or information or any other category protected by law. Accommodation Requests If you are an individual with a disability and you need an accommodation or other assistance during the application process, please call our Human Resources department at ************ or email your request to *************. All qualified applicants are encouraged to apply. Download the EEO Know Your Rights poster for more information.

About this role: Wells Fargo is seeking a Senior Credit Product Portfolio Specialist to support the Commercial Services portfolio team on customer credit related inquiries within Supply Chain Finance. The team member in this role will use a credit mindset to navigate the difficulties of mitigating risk, while satisfying client needs. This role requires a thorough understanding of factoring from a portfolio and customer credit perspective and the ability to communicate decisions efficiently and effectively. In this role, you will: Deliver results that align with Commercial Banking and Commercial Banking line of business priorities and that satisfy Commercial Banking stakeholders and Wells Fargo's risk management priorities and commitments. Strategically collaborate with portfolio team and customer credit to resolve client issues and achieve business objectives. Evaluates credit actions according to applicable regulations, procedures, and guidelines. Reviews financial statements, communicates with clients or account debtors, and performs analysis to be used in credit decisions. Utilize delegated credit approval authority to perform credit decisioning on individual credit orders. Communicate and coordinate with portfolio, customer credit, collections, external counsel, clients, and account debtors to effectively manage customer credit risk while satisfying client needs. Proactively monitor account debtor exposure trends (i.e. financials, risk ratings, trade reports, industry reports, and payment trends). Review legal documentation such as letters or credit, non-disclosure agreements, cash collateral agreements, and cross-corporate guarantees to ensure applicable terms, and requirements are incorporated and adhered to. Provide guidance to junior associates on credit and industry trends, and product knowledge as applicable. Required Qualifications: 5+ years of secured or specialized lending relationship management or portfolio management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Desired Qualifications: 5+ years of relevant experience in factoring, or credit management and analysis earned in a banking setting or shared service environment Solid credit acumen with the ability to understand client financials and structure appropriate credit solutions Strong relationship management skills, with a proven ability to expand, grow, and retain client relationships Excellent verbal, written, and interpersonal communication skills. Ability to work effectively in a team environment and across all organizational levels; where flexibility, collaboration, and adaptability are important. Job Expectations: May be considered for a discretionary bonus, Restricted Share Rights or other long-term incentive awards Ability to work on-site at one the posted work location @RWF22 Pay Range Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates. $167,000.00 - $260,000.00 Benefits Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees. Health benefits 401(k) Plan Paid time off Disability benefits Life insurance, critical illness insurance, and accident insurance Parental leave Critical caregiving leave Discounts and savings Commuter benefits Tuition reimbursement Scholarships for dependent children Adoption reimbursement Posting End Date: 25 Dec 2025 * Job posting may come down early due to volume of applicants. We Value Equal Opportunity Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic. Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements. Applicants with Disabilities To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo. Drug and Alcohol Policy Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more. Wells Fargo Recruitment and Hiring Requirements: a. Third-Party recordings are prohibited unless authorized by Wells Fargo. b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

As a Credit Strategy intern, you'll help support and develop credit strategies to drive revenue growth, monitoring key portfolio performance and metrics. You'll focus on business objectives including portfolio growth while maintaining optimal credit performance using analytical tools. About the role * Support the development and execution of credit strategies, ensuring that the personal loan offers are competitive, sustainable, and aligned with the company's goals * Collaborate with internal teams to analyze data and translate that to build and implement proposals ensuring the strategic alignment of credit-based initiatives * Building compelling data visualizations and distilling key informative messages clearly from large amounts of data * Use data analytics to assess the impact of credit on portfolio performance and present findings and recommendations to stakeholders, including senior management, to support the decision-making process About you Preferred Qualifications * Self-directed approach * Ability to communicate effectively * Proficiency in the Microsoft Office suite, including Excel, PowerPoint and Word What you'll get Our team members fuel our strategy, innovation and growth, so we ensure the health and well-being of not just you, but your family, too! We go above and beyond to give you the support you need on an individual level and offer all sorts of ways to help you live your best life. We are proud to offer eligible team members perks and health benefits that will help you have peace of mind. Simply put: We've got your back. Check out our full list of Benefits and Perks. About us Headquartered in Detroit, Rocket Loans was established to create the most simple, rocket fast personal loan process. We assembled a top-notch team of individuals combining new, passionate team members with some of the best veterans from Rocket Mortgage to create the most user-friendly lending platform in the world. We have given it our best to create an experience that is best-of-breed in the personal loan industry and commit even more to continuously improving it. At Rocket Loans, you'll build a career that helps you achieve your professional goals while helping clients get the loans they need to reach their financial goals. We're looking for innovators and those unafraid to disrupt the status -quo. With an inclusive culture and opportunities to make a positive impact, we're here to help you foster your career growth. This job description is an outline of the primary responsibilities of this position and may be modified at the discretion of the company at any time. Decisions related to employment are not based on race, color, religion, national origin, sex, physical or mental disability, sexual orientation, gender identity or expression, age, military or veteran status or any other characteristic protected by state or federal law. The company provides reasonable accommodations to qualified individuals with disabilities in accordance with applicable state and federal laws. Applicants requiring reasonable accommodations in completing the application and/or participating in the application process should contact a member of the Human Resources team, at **************************.