Senior Credit Analyst

Aston Carter; Irving (TX); Hybrid; USD 80,000 - 100,000; Full time

Job summary

A leading staffing firm is seeking an experienced Credit Analyst to extract and analyze financial data from company statements. This hybrid role involves assessing credit limits and making informed recommendations. Ideal candidates will have over 5 years of experience in credit review and strong analytical skills to identify risks based on financial statements.

Benefits

Medical, dental & vision

401(k) Retirement Plan

Employee Assistance Program

Qualifications

• 5+ years of credit review and approval experience in a construction or manufacturing environment.
• Extensive experience in analyzing financial statements.
• Ability to work independently and collaboratively.

Responsibilities

• Gather necessary financial statements from borrowers.
• Calculate key financial ratios to assess performance.
• Assess the borrower's creditworthiness and identify potential risks.

Skills

Credit review and approval experience

Analyzing financial statements

Interpreting credit reports

Proficient in Excel and Microsoft Office

Negotiation skills

Analytical skills

Communication skills

Tools

SAP

Job description

Job Title: Credit Analyst

Job Description

As a Credit Analyst, you will be responsible for extracting and analyzing key financial data from company financial statements, such as balance sheets, income statements, and cash flow statements. Your role involves assessing credit limits for new and existing customers and making informed recommendations based on thorough financial analysis.

Responsibilities

• Gather necessary financial statements and tax documents from borrowers, including audited and unaudited financials on a monthly, quarterly, and yearly basis.

• Transfer financial data into a spreadsheet or specialized financial analysis software, identifying key data from balance sheets, income statements, and cash flow statements.

• Standardize data into a consistent format, potentially reclassifying or rearranging accounts to ensure comparability.

• Calculate key financial ratios to assess the borrower's performance and risk profile, and communicate any discrepancies or missing information.

• Perform trend analysis by comparing financial statements from different periods to identify financial performance trends.

• Assess the borrower's creditworthiness and identify potential risks using analyzed data.

• Analyze customers' financial information, including income statements, cash flow history, current debt, balance sheets, and credit reports.

• Provide assessments of the profitability of default by a customer and determine the risk of extending secure and unsecured credit.

• Coach less experienced team members on transactions and accounts.

• Research public records for corporate and UCC filings and ensure CMC is secured via lien or bond on construction projects.

• Maintain and improve compliance with the Credit and Collection policy.

• Develop and maintain relationships with key internal and external customers and principal industry suppliers.

  Essential Skills

• 5+ years of credit review and approval experience in a construction or manufacturing environment.

• Extensive experience in analyzing financial statements.

• Experience interpreting consumer and commercial credit reports.

• Strong computer skills, including proficiency in Excel, Word, Microsoft Office, and SAP or other ERP systems.

• Ability to work independently and collaboratively, detail-oriented with strong interpersonal and negotiation skills.

• Strong analytical and statistical skills.

• Strong written and verbal communication skills.

Pay and Benefits

The pay range for this position is $35.00 - $40.00/hr.

Eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to specific elections, plan, or program terms. If eligible, the benefits available for this temporary role may include the following:

• Medical, dental & vision • Critical Illness, Accident, and Hospital • 401(k) Retirement Plan – Pre-tax and Roth post-tax contributions available • Life Insurance (Voluntary Life & AD&D for the employee and dependents) • Short and long-term disability • Health Spending Account (HSA) • Transportation benefits • Employee Assistance Program • Time Off/Leave (PTO, Vacation or Sick Leave)

Workplace Type

This is a hybrid position in Irving,TX.

Application Deadline

This position is anticipated to close on Sep 12, 2025.

About Aston Carter:

Aston Carter provides world-class corporate talent solutions to thousands of clients across the globe. Specialized in accounting, finance, human resources, talent acquisition, procurement, supply chain and select administrative professions, we extend the capabilities of industry-leading companies. We draw on our deep recruiting expertise and expansive network to meet the evolving needs of our clients and talent community with agility and excellence. With offices across the U.S., Canada, Asia Pacific and Europe, Aston Carter serves many of the Fortune 500. We are proud to be a ClearlyRated Best of Staffing double diamond winner for both client and talent service.

The company is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.

If you would like to request a reasonable accommodation, such as the modification or adjustment of the job application process or interviewing process due to a disability, please email [e-mail] ([e-mail]) for other accommodation options.