SMASH, Who we are?

We believe in long-lasting relationships with our talent. We invest time getting to know them and understanding what they seek as their professional next step.

We aim to find the perfect match. As agents, we pair our talent with our US clients, not only by their technical skills but as a cultural fit. Our core competency is to find the right talent fast.

This position is hybrid (on-site 2 days and 1x monthly for collaboration days). You must have U.S. citizenship or a valid U.S. work permit to apply for this role.

Role summary
You will lead quantitative and qualitative credit analysis to assess risk, determine credit limits, and support revenue growth while protecting the organization’s financial exposure. This role combines financial statement analysis, ERP-based modeling, collections oversight, and cross-functional collaboration to ensure strong credit governance and customer service excellence.

Responsibilities

• Analyze credit applications to assess collateral value, credit risk, and financial exposure.

• Review and interpret customer financial statements in accordance with GAAP principles.

• Evaluate Dun & Bradstreet (D&B) reports and other credit data sources to determine creditworthiness.

• Authorize and recommend customer credit limits for tangible product transactions.

• Prepare and deliver written credit approval or denial communications.

• Develop and maintain credit models and trend analyses using SAP, Business Objects, and Excel.

• Manage third-party collections, bankruptcy processes, and escheat procedures.

• Maintain accurate customer master data and ensure credit data integrity within SAP.

• Train and mentor new credit team members on credit policies and procedures.

• Collaborate with Finance, Sales, Sales Operations, Customer Service, and Financial Services teams.

• Monitor credit exposure and proactively manage risk through effective collections strategies.

• Deliver professional and responsive customer service in all credit-related interactions.

Requirements – Must-haves

• Bachelor’s degree in Accounting, Finance, Business, or related field.

• 7+ years of experience in Credit and Collections, including financial condition analysis for tangible products.

• Strong knowledge of credit principles, credit exposure, and risk monitoring.

• Experience analyzing D&B reports and authorizing customer credit limits.

• Solid understanding of GAAP and accounting principles for financial statement interpretation.

• Working knowledge of bankruptcy processes and related recordkeeping requirements.

• 5+ years of advanced experience with Microsoft Office (Excel), SAP, and credit reporting tools.

• Experience working with third-party collection agencies.

• Strong organizational skills with attention to detail and prioritization ability.

• Effective verbal and written communication skills with cross-functional stakeholders.

• Ability to work independently and exercise sound decision-making judgment.

Nice-to-haves (optional)

• Healthcare industry experience.

• Experience using Business Objects reporting tools.

• Experience improving credit models or credit governance processes.

• Exposure to process automation within ERP or financial systems.