Credit Analyst

Everflow Supplies is a growing specialty provider serving the plumbing, HVAC, industrial, mechanical, and fire protection industries across North America. We engineer, source, and deliver dependable product solutions that help our customers succeed — and we pride ourselves on being more than a supplier. We strive to be a trusted partner and an extension of our customers’ teams.

Our culture is built around collaboration, accountability, and growth. We move with purpose, think like owners, and believe every team member plays an important role in driving success. As Everflow continues to expand, we’re looking for motivated people who want to grow with us and help build something meaningful.

Position Summary

The Credit Analyst is responsible for evaluating customer creditworthiness, establishing and maintaining credit limits, minimizing financial risk, and supporting the company's cash flow objectives. This role works closely with Accounts Receivable, Sales, Customer Service, and Finance teams to ensure sound credit decisions while supporting business growth. The ideal candidate possesses strong analytical skills, sound business judgment, and a customer-focused approach to credit and collections management.

What You'll Do

• Review and analyze customer financial statements, credit reports, and trade references.
• Evaluate new customer credit applications and recommend appropriate credit limits.
• Monitor existing customer accounts and adjust credit limits as necessary.
• Assess credit risk and identify potential collection concerns.
• Maintain accurate customer credit files and supporting documentation.
• Partner with Accounts Receivable and Collections teams to resolve disputes impacting payment performance.
• Review aging reports and assist in mitigating delinquency risks.
• Prepare credit reviews and recommendations for management approval.
• Monitor customer payment trends and proactively identify high-risk accounts.
• Support order release decisions in accordance with company credit policies.
• Communicate credit decisions professionally to internal and external stakeholders.
• Ensure compliance with company policies, procedures, and internal controls.
• Provide collection support by managing an assigned portfolio of customer accounts, including following up on past-due invoices, resolving payment disputes, documenting collection activities, and escalating high-risk accounts as needed.
• Assist with collection efforts during periods of reduced credit analysis workload to support departmental cash flow objectives and maintain customer account health.
• Collaborate with Sales and Customer Service teams to balance risk management with customer relationship objectives.

What You’ll Bring 

Required 

• Bachelor’s degree in finance, Accounting, Business Administration, or a related field preferred.
• 3+ years of experience in credit analysis, accounts receivable, financial analysis, or commercial collections.
• Strong understanding of financial statements and credit risk assessment.
• Experience working with ERP systems (NetSuite preferred) and credit reporting tools.
• Proficiency in Microsoft Excel and financial analysis.
• Excellent analytical, organizational, and problem-solving skills.
• Strong verbal and written communication skills.
• Ability to manage multiple priorities in a fast-paced environment.

Preferred 

• Knowledge of commercial credit practices and policies.
• Experience with collections and accounts receivable processes.
• Experience managing commercial collections and customer account portfolios.
• Ability to balance risk management with customer relationship considerations.
• Strong attention to detail and accuracy.

Target Compensation Range: The posted pay range of $60,000 to $65,000 represents the anticipated hiring range for this position. Individual compensation will be determined based on a variety of factors, including, but not limited to, relevant experience, skills, qualifications, education, certifications, geographic location, market conditions, internal compensation practices, and other job-related business considerations, consistent with applicable law.

Why Everflow

At Everflow, we believe great companies are built by great people. We are committed to creating a culture where employees feel supported, empowered, and connected to the work they do every day.

We value people who think like owners, move with urgency, work collaboratively, and follow through on their commitments. As a growing organization, we offer opportunities to learn, contribute, and grow your career alongside a team that is passionate about serving customers and building long-term success together.

Benefits: Our offerings include medical, dental, and vision coverage, paid time off, company-sponsored retirement plans, and additional programs designed to support our employees and their families. Most importantly, we strive to create a workplace where people feel valued, supported, and empowered to succeed.

Everflow is an Equal Opportunity Employer. We are committed to creating an inclusive workplace and consider all qualified applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, protected veteran status, or any other characteristic protected by applicable federal, state, or local law.