Job Description

Position: Senior Credit and Collections Analyst

Job Summary

The Senior Credit and Collections Analyst manages a complex portfolio of customer accounts and supports the organization’s credit risk, collections, dispute resolution, and cash-flow objectives. This role independently analyzes account exposure and payment trends, prioritizes collection strategies, resolves escalated billing and deduction issues, recommends credit limits and order-release decisions within established authority, and partners with Sales, Customer Service, Finance, and customers to reduce delinquency while preserving productive business relationships. The analyst also prepares portfolio reporting, identifies process improvements, and serves as a resource to less-experienced team members.

Essential Job Responsibilities

• Manage a complex portfolio of domestic and/or international customer accounts, execute collection strategies, negotiate payment commitments, and document follow-up activity.

• Analyze aging, payment history, credit exposure, risk indicators, disputes, deductions, and customer financial information to prioritize action and recommend appropriate credit terms or limits.

• Perform account reconciliations, research unapplied cash and short payments, and drive timely resolution of billing, pricing, tax, freight, proof-of-delivery, and other customer claims.

• Partner with Sales, Customer Service, Finance, Cash Applications, and other stakeholders to resolve escalations, remove payment barriers, and improve the customer experience.

• Evaluate credit holds and order-release requests in accordance with company policy and delegated authority; escalate material risks with clear analysis and recommendations.

• Prepare and communicate aging, collection forecast, dispute, delinquency, bad-debt risk, and key performance indicator reports to management.

• Maintain accurate collection notes, promise-to-pay dates, dispute status, credit documentation, and account records in the ERP and related systems.

• Support month-end and quarter-end activities, including account review, reserve or write-off support, reconciliations, audit requests, and reporting.

• Lead or support process-improvement initiatives, develop standard work and reporting tools, and help strengthen credit and collections controls.

• Provide guidance, knowledge sharing, and backup support to team members; assist with onboarding or training as requested.

• Comply with company policies, approval authorities, internal controls, and applicable laws and regulations.

• Perform other duties as assigned.

Required Qualifications

• Bachelor’s degree in Accounting, Finance, Business Administration, or a related field is preferred; an equivalent combination of education and relevant experience will be considered.

• Minimum of 4 years of progressively responsible experience in commercial credit, accounts receivable, collections, or a related order-to-cash function.

• Advanced Microsoft Excel skills and proficiency with Microsoft Outlook and Word.

• Working knowledge of ERP, customer account, reporting, and collections systems is required.

• Must possess capacity to extract, organize, reconcile, and present data for management reporting and decision support.

• Demonstrated ability to manage a high-volume or complex accounts receivable portfolio in a fast-paced environment.

• Strong knowledge of commercial credit, collections, account reconciliation, dispute and deduction management, and order-to-cash processes.

• Proven analytical and problem-solving skills, with a high degree of accuracy and attention to detail.

• Advanced proficiency in Microsoft Excel, including pivot tables, lookups, filters, formulas, and data analysis; proficiency with Outlook and Word.

• Experience with ERP and collections platforms; Microsoft Dynamics and Epicor experience is preferred.

• Excellent verbal and written communication, negotiation, and customer-service skills.

• Ability to work independently, exercise sound judgment within established authority, and escalate material risk appropriately.

• Ability to collaborate across departments and provide guidance or training to less-experienced team members.

• Skilled in analyzing complex account information; identify root causes and financial risk, evaluate alternatives, and make timely recommendations consistent with company policy and delegated authority.

• Competence in resolving non-routine problems using sound judgment, diplomacy, and effective escalation.

• Strong organization, prioritization, and follow-through is required.

Preferred Skills and Competencies

·         Experience managing complex accounts, performing credit analysis, resolving escalated disputes, and supporting audits or period-end close activities is preferred.

·         Microsoft Dynamics or comparable ERP experience is preferred.

• Demonstrates strong analytical judgment and uses data to identify risk, establish priorities, and recommend practical solutions.

• Takes ownership of results, follows through on commitments, and manages competing deadlines with limited supervision.

• Communicates complex account issues clearly, professionally, and persuasively to customers and internal stakeholders.

• Negotiates effectively while balancing collection results, credit risk, policy requirements, and customer relationships.

• Maintains confidentiality and works with integrity, sound judgment, and appropriate professional discretion.

• Collaborates across functions, shares expertise, provides constructive support, and contributes to a positive team environment.

• Demonstrates accuracy and thoroughness, recognizes control or compliance concerns, and escalates significant risk promptly.

• Uses reporting and trend analysis to improve portfolio performance and identify opportunities for process improvement.

• Adapts to changing priorities, systems, and business conditions while maintaining service and productivity standards.

Physical Requirements

• Regularly required to sit for extended periods of time at a keyboard and work station.

• Frequently required to look at a computer screen.

• Occasionally lift and/or move up to 20 pounds. 

Company Overview

Boyd is the world’s leading innovator in sustainable engineered material and thermal solutions that make our customers’ products better, safer, faster, and more reliable. We develop and combine technologies to solve ambitious performance targets in our customers’ most critical applications. By implementing technologies and material science in novel ways to seal, protect, cool, and interface, Boyd has continually redefined the possible and championed customer success for over 90 years.

Additional Information

This document is intended to describe the general content of, and requirements for performing this job.  It is not to be construed as an exhaustive statement of duties, responsibilities, or requirements.

Boyd is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disabilities age, sexual orientation, marital or veteran status, or any other legally protected status.

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EEO Statement

Boyd Corp is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.