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Credit Analyst

Date: May 13, 2022

Location: Tampa, FL, US

Company: Gerdau



The credit analyst is responsible for assessing the creditworthiness of new and existing customers. The credit analyst must gather different financial information such as earnings and past payment history, to assess their ability to pay invoices when they are due.  The credit analyst will review credit limits for existing customers annually.


The credit analyst handles the development and implementation of GBS and process improvements for the credit department. The credit analyst acts as a liaison between the company and outside entities including customers, credit reporting agencies, and legal counsel. The credit analyst supports the department during peak times and absences. 





1.         Credit approval authority limit, per order:     $250,000

2.         Corporate Account Receivable:                     $400 Million              

3.         Provide credit services for all locations.                                           





  • Report directly to the Credit Manager and Credit Supervisor. In some cases, candidate, may report directly to Portfolio Credit Analyst.
  • Provide support and services for all US and CA locations for credit, collections, and accounts receivable functions.
  • Qualifications for this position include broad exposure to credit practices and procedures.  Learning background and/or training experiences should be equivalent to that or demonstrated by a bachelor’s degree in business from an accredited college or university combined with two years of experience, which is preferred.   However, 1-3 years credit experience would be acceptable.
  • Incumbent is required to work with Access, Excel, Power Point, and Word.  Working knowledge with an ERP system is strongly preferred.


  • Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with varying degrees of supervision.
  • Monitor, report progress, and lead process improvements; initiatives for all GBS and process improvement functions for Credit, Collections, and Accounts Receivable in US operations.



  • Maintain, update, archive, and distribute all department GBS and process improvements statistics, with graphics as necessary.
  • Conduct lockbox studies annually to ensure payments are being directed to proper lockbox for maximum efficiency.
  • Assist in Department Training and Development initiatives such as Rebar Fabricating Contract Administration Seminars, given at RF Regional Sales Meetings.
  • Credit Analyst verifies credit standing and credit extension from information in files and approves or disapproves credit, based on acceptable standards. Credit approval may be granted with certain restrictions, terms and parameters determined from investigative credit analyses applied within established guidelines. This position regularly works with credit reports, financial statements, credit interchanges, individual and inter-company guarantees, letters of credit, with exposure to bond regulations and types as well as lien laws.
  • The credit analyst will also oversee follow-up on all collection litigation pertaining to the department.
  • Additionally participate in Benchmarking and other activities of the Credit Research Foundation particularly standards, best practices pertaining to accounts receivable, collection, and credit functions. 
  • Actively participates in approximate credit associations and their seminar activity in order to establish a network and maintain functional credit communications.






  1. Responsible for timely and accurate processing and reporting of accounts receivable.
  2. Responsible for maintaining accurate and current records, files, statements, notices, etc., as necessary for the ongoing integrity of account information.
  3. Responsible for all audit confirmations and verifications including internal, external and customer generated requests for verifications of balances.
  4. Responsible for proper, effective and efficient work methods.
  5. Responsible for carrying out company policy and programs.
  6. Responsible for credit investigation concerning the opening of new accounts.
  7. Responsible for setting up new accounts, including entering data into the system, establishing a physical credit file with appropriate documentation, and interface with the sales team regarding the status of the new accounts.
  8. Conduct thorough analysis of financial statements and perform due diligence to provide recommendations tied to analysis and assessment of credit risk.
  9. Present analysis, findings, and recommendations to management, including findings that involve a borrower’s ability to repay.  
  10. Responsible for efficient and effective credit investigation and approval, to ensure an acceptable range of risk and ultimate collect ability within a reasonable time.
  11. Responsible for timely collection of customer accounts.
  12. Responsible for assigning credit limits, updating account indicative information and monitoring accounts based on the latest information available.
  13. Responsible for division and management interface as it relates to status and condition of related receivables.
  14. Responsible for up to 15% travel to promote internal and external customer relationships and to meet additional company objectives.
  15. Responsible for filing pre-lien or bond application to protect rights on secured accounts and the analysis of lien releases.
  16. Responsible for cooperation with supervisors, departments and services to maintain coordinated efficiency of credit related operations in-house and externally.
  17. Responsible for keeping department apprised of the capabilities and uses of the credit/accounts receivable system (Lawson).
  18. GBS, 5S and other process improvement initiatives.  Interfaces with internal & external and CIT auditors and compliance with Sarbanes-Oxley, as well as updating the Credit Department Policies, Procedures and Operations Manual.



Nearest Major Market: Tampa