Credit Analyst

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Our global chemical client located in the Energy Corridor is seeking a Credit & Cash Operations Specialist for a Temp to Hire position – Hybrid role. 

Job purpose
The Credit & Cash Operations Specialist is a dual-function role responsible for managing the end-to-end credit-to-cash lifecycle.

This role ensures the financial integrity of the global accounts receivable portfolio by performing sophisticated credit risk modelling, managing complex lending documentation, and executing precise cash application within SAP.

As a key stakeholder in the Houston Global Credit-to-Cash (C2C) Operations team, this position bridges the gap between risk mitigation (Credit) and liquidity (Cash) to drive DSO reduction and operational excellence.

Main tasks and responsibilities

Strategic Credit Analysis & Risk Mitigation

  • Risk Modeling: Conduct deep-dive analysis of customer financial statements, credit reports, and payment trends using the proprietary credit model to establish and adjust limits.
  • Portfolio Surveillance: Act as the primary liaison for credit insurance (COFACE, Euler Hermes, Solutia) and manage daily exposure monitoring.
  • Strategic Release: Manage the SAP blocked-order workflow (VKM1); analyze risk case-by-case to release or escalate holds in coordination with Sales and Finance.
  • Structured Finance & ABS: Ensure strict compliance with Asset-Backed Securitization (ABS) contracts, including customer classification (sellable/non-sellable) and payment term alignment.
  • Complex Lending: Negotiate documentation and payment security terms for high-value transactions to ensure receivables are properly secured.
  • Trade Finance: Lead the Letter of Credit (LC) process as the primary contact for banking partners (e.g., Citizens Bank), managing the discount and resolution process.

Cash Application & Revenue Lifecycle

  • Capital Allocation: Execute the timely application of global payments (ACH, Wire, Check) in SAP, ensuring zero-error posting of receipts.
  • Account Reconciliation: Investigate and resolve complex discrepancies, including short payments, deductions, and unapplied cash.
  • Collections Leadership: Spearhead the monthly collections recap with the Sales team and manage the weekly dunning cycles (F150) in SAP.
  • Audit & Reporting: Lead AR accounting reconciliations and serve as the Key Point of Contact for internal/external auditors, specifically supporting the biennial ABS audit.
  • Executive Visibility: Publish global and regional weekly collection and sales reports to senior leadership.

Bachelor’s degree in Finance, Accounting, Economics, or a related business field. MBA or professional certification (e.g., CPCP, CICP, or CMA) preferred.

  • Experience: Minimum of 5 years of relevant experience in manufacturing, oil and gas, energy or chemical industries preferred.
  • Analytical Rigor: Ability to synthesize complex financial data into actionable credit decisions.
  • Operational Agility: Highly responsive to changing requirements during organizational transformation or centralization.
  • Strategic Communication: Ability to manage the narrative with Sales and Lenders while maintaining strict confidentiality.
  •  Exceptional attention to detail in high-volume, time-sensitive financial environments

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