Junior Credit Analyst

Job Summary:

The Junior Credit Analyst supports the Credit and Risk functions by performing debtor credit reviews, establishing and maintaining debtor credit lines, completing new debtor verification procedures, confirming Notices of Assignment (NOAs), and monitoring existing debtor relationships.

This position helps ensure debtor credit information is accurate, properly documented, and maintained in accordance with company credit policies and procedures. The analyst works closely with Credit, Collections, Operations, and Account Management to identify credit, fraud, concentration, payment, and documentation risks associated with purchased accounts receivable.

Essential Duties:

Debtor Credit Line Reviews

• Perform initial and ongoing credit reviews of commercial debtors.
• Review requests for new debtor credit lines and increases to existing limits.
• Evaluate commercial credit reports, payment history, AR aging, current exposure, concentration, and other relevant risk factors.
• Prepare documented credit limit recommendations within established procedures and delegated authority.
• Escalate requests involving elevated risk, high concentration, adverse credit, exceptions, or    amounts exceeding assigned authority.

New Debtor Setup and Verification

• Complete required credit and verification procedures before new debtor invoices are approved for funding.
• Verify the debtor’s legal name, business address, Accounts Payable contact information, and other required business details through independent sources.
• Confirm that debtor contact information is independently obtained or validated and is not based solely on information supplied by the factoring client.
• Identify discrepancies, adverse information, unusual circumstances, or potential fraud indicators and escalate concerns before funding.
• Establish approved debtor limits, review dates, and supporting documentation in the company operating system.

Notice of Assignment (NOA) Confirmation

• Confirm debtor receipt and acknowledgment of the company Notice of Assignment.
• Verify that the debtor understands payments on assigned invoices must be remitted directly to the designated factoring company account or lockbox.
• Confirm that Accounts Payable records and payment instructions have been updated appropriately.
• Document the contact’s name, title, date, method, and result of the NOA confirmation.
• Escalate disputed assignments, conflicting payment instructions, prior assignments, lien concerns, or refusal to acknowledge NOA.

Debtor Credit Report Review

• Obtain and review commercial credit reports and other available credit information.
• Assess credit scores, risk ratings, Days Beyond Terms (DBT), trade payment experiences, collections activity, liens, judgments, bankruptcies, business age, and operating history.
• Compare external credit information with internal payment experience when available.
• Identify material deterioration or adverse developments that may warrant a limit reduction, suspension, or termination.

Existing Debtor Renewals

• Complete periodic debtor credit renewals based on company policy and established review schedules.
• Review current exposure, payment performance, aging, concentration, credit reports, and other available information.
• Recommend maintaining, increasing, decreasing, suspending, or terminating existing debtor limits, as appropriate.
• Complete and retain required renewal documentation and escalate material adverse            findings.

Ongoing Monitoring and Credit File Maintenance

• Monitor debtor exposure against approved limits and report over-limit positions.
• Review payment and aging trends for signs of deterioration, disputes, dilution, or concentration risk.
• Maintain complete electronic credit files, including approvals, reports, verification records, NOA confirmations, renewals, and supporting correspondence.
• Update debtor limits, review dates, notes, and status information accurately in the operating system.
• Support internal audits, quality-control reviews, watch lists, and management reporting.

Additional Responsibilities

• Assist senior credit personnel with special reviews, portfolio projects, and credit exception tracking.
• Support Collections with credit-related debtor research and payment-performance information.
• Assist in identifying potentially fraudulent, duplicate, fictitious, or otherwise questionable debtor information.
• Maintain debtor renewal schedules and credit-related tracking reports.
• Participate in portfolio and credit review meetings.
• Perform other credit, risk, collections, and operational duties as assigned.

Experience and Skills

• Basic understanding of commercial credit, accounts receivable, and AR aging. 

• Ability to review commercial credit reports and recognize payment trends or adverse                information. 

• Strong attention to detail, documentation, organization, and follow-through. 

• Professional written and verbal communication skills, including communication with debtor Accounts Payable departments. 

• Ability to manage multiple reviews, renewals, verification tasks, and deadlines. 

• Ability to work effectively in a fast-paced environment and make timely, accurate credit    decisions that support uninterrupted operational workflow while remaining within   established credit policies and approval authority. 

• Proficiency with Microsoft Excel, Word, Outlook, and other Microsoft 365 applications. 

• Ability to handle confidential financial and business information appropriately. 

Supervisory Responsibility

There are no Supervisory Responsibilities for this role.

EEO Statement

Syfan Logistics, Inc. is an Equal Opportunity employer. All Team Members and applicants are considered without regard to race, color, religion, sex, sexual orientation, gender identity, age, national origin, disability, or any status which is protected by state or federal law.

Introductory Period:

Progress reports at 30 and 60 days with a review by management at 90 days.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities