Sr Credit Analyst

Overview Consider joining the MX Holdings family as a Senior Credit Analyst (Manufacturing) in our St. Louis, MO location. The Senior Credit Analyst (Manufacturing) is a customer facing role that is responsible for establishing credit limits for new accounts or reviewing credit limits for existing customers. This position is responsible for overseeing the Pennex portfolio of accounts to ensure timely payments and to keep them within their designated credit limits. In addition, the Senior Credit Analyst works with customers to resolve disputes or complaints and escalates to the credit manager if determined that the customer is unwilling or unable to pay in accordance with agreed upon payment terms. Responsibilities Essential Duties and Responsibilities: Oversees all credit and collection responsibilities for Pennex. Establishes internal credit limits for customers through comprehensive analysis, including financial statement review, operational assessment, and high-level customer discussions. Secures credit insurance when appropriate to support customer credit limits. Conducts ongoing reviews of existing customer credit limits, with formal annual reviews. Makes internal credit decisions up to $250k and prepare credit recommendations for the credit committee for decisions above this amount based on comprehensive analysis and review. Ensures adherence to customer payment terms through effective collection management. Works closely with sales and admin teams to identify and correct problems and issues causing payment delays. Develops payment plans with customers experiencing cash flow problems where appropriate while managing overall credit risk. Files insurance claims and/or bankruptcy claims as necessary for nonperforming or bankrupt accounts. Monitors and controls credit exposures for all customers to ensure adherence to established credit limits. Other duties as assigned. Qualifications Education and Experience: Bachelor’s degree in Finance, Accounting, or a related field required Master’s degree preferred 10 or more years of commercial credit experience as Senior Credit Analyst or equivalent Required Skills/Abilities: Strong verbal, communication and negotiating skills Strong analytical skills Demonstrates strong initiative and self-motivation by proactively identifying risks, improving processes, and driving tasks to completion with minimal supervision Champions continuous improvement initiatives that drive operational excellence and measurable results Strong judgment and decision-making skills with a demonstrated ability to balance risk and profitability Experience with ERP systems (Microsoft Dynamics 365 preferred) Strong collaboration with sales, operations, supply chain, and finance teams Ability to challenge assumptions and influence stakeholders while maintaining relationships Travel up to 25% as needed Regular attendance required. Must be able to pass pre-employment physical and drug screen. Must be eligible to work in the United States, visa sponsorships are not available. About Us Perks of the Job Medical, dental and vision insurance Disability and life insurance 401(k) with matching contribution Generous allotment of paid vacation and paid holidays Competitive wages plus performance-based bonus opportunities Employee Assistance Program (EAP) Ongoing training and professional development Ample opportunity for career growth and advancement Relocation package may be available Why Our People Love Working Here Purpose-driven, friendly, open, and respectful culture Highly engaged workforce – as indicated by best-in-class engagement scores Shared core values of safety, integrity, caring, and growth Hybrid work schedule consisting of 3 in-office days and 2 remote days per week Leaders committed to building more diverse, inclusive teams Free on-site gym access Tuition reimbursement Complimentary refreshment bar with beverages and snacks Employee discount program with hundreds of partner brands Wellness incentive program Regular employee celebrations and events Who We Are Celebrating 50 years in 2024, MX Holdings is a global leader in the purchasing, processing, and manufacturing of non-ferrous metals, primarily Aluminum. Enabled by our breadth of experience and deep expertise, we are proud to deliver top-quality products and services to customers across our family of brands – including Metal Exchange and Pennex. But it’s not just what we do that sets us apart, it’s how we do it. Safety. Integrity. Caring. Growth. These core values are embodied by each member of our team; guiding every action we take and decision we make. Whether it’s driving innovation within our industry, making the impossible possible for our customers, providing a safe, respectful workplace for employees or supporting our local communities, our purpose is clear. We are dedicated to impacting our world in a positive way. If you are a like-minded individual with a strong ability to problem solve, collaborate, and effectively communicate, MX Holdings may be the perfect place for you to grow your career. To learn more, please visit MXHoldings.com. Our Commitment to Inclusion We welcome people of different backgrounds, abilities, and perspectives. To ensure our business and culture continue to be inclusive of all people, we never discriminate based on race, religion, national origin, gender identity or expression, sexual orientation, age or marital status, veteran, or disability status. MX Holdings and our family of brands, including Metal Exchange and Pennex, are proud to be equal opportunity employers. Additionally, all your information will be kept confidential according to EEO guidelines. Should you have any questions or require special assistance completing your application, please email [email protected]. Qualified Applicants must be legally authorized for employment in the United States and not require employer sponsored work authorization now or in the future for employment in the United States. Our salary ranges are primarily determined by role, level, and location. The range provided for each job posting reflects the minimum and maximum target salaries for the position across all US locations. Within the range, individual pay is determined by work location and additional factors, including job-related skills, experience, and relevant education or training. Confidentiality Agreement Required: Yes Posted Min Pay Rate USD $70,000.00/Yr. Posted Max Pay Rate USD $89,000.00/Yr.