{"id":3313650,"url":"https://alion.io/job/international-paper-credit-analyst","title":"Credit Analyst","company":{"id":1807304,"name":"International Paper","domain":"internationalpaper.com","url":"https://alion.io/company/internationalpaper","size_band":"1001-5000","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Oracle","truth_index":{"grade":"A","score":85,"open_postings":81,"ghost_share":0,"stale_share":0.568,"repost_share":0.062,"time_to_fill_p50_days":24,"computed_at":"2026-11-05T05:54:30Z"}},"role":"Finance","role_family":"Finance","seniority":"junior","employment_type":null,"work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Memphis, United States"],"countries":["US"],"hiring_countries":[],"hiring_countries_total":0,"salary":{"min":75000,"max":87000,"currency":"USD","period":"year","gross":null,"usd_annual":87000},"salary_estimate":null,"experience_years_min":2,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2026-10-26T15:55:38Z","employer_posted_date":"2026-10-26","last_verified_at":"2026-11-05T04:20:27Z","board_verified":true,"closed_at":null,"days_open":9,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":9},"description":"Job Title: Credit Risk Analyst\nPosition Title: Credit Risk Analyst\nPay Rate: $75,000 - $87,000 (PL8)\nMultiple factors, including Individual experience, skills and abilities will determine where an employee is ultimately placed in the pay range.\nCategory/Shift:\nSalaried Full-Time\nPhysical Location:\n1740 International Drive,\nMemphis, TN 38197\nThe Job You Will Perform:\nEngage with customers to gather financial statements and transform them into written financial analysis and credit limit recommendations for management aligned with customer needs and company's risk appetite.\n\nConduct in-depth financial statement analysis on annual financial statements, personal financial statements, and/or tax returns to renew credit limits every year and/or increase credit lines as required.\n\nPrepare credit limit recommendations of $250,000+, integrating trade references and comprehensive credit agency scores, plus rigorous financial statement analysis if needed, to communicate complex financial data with clarity and precision to support informed credit decision-making and foster trust.\n\nEvaluate risk mitigation strategies if needed via corporate guarantees, letter of credit, Uniform Commercial Code (UCC) filings to secure a lien position, and/or lower sale term.\n\nPrepare and conduct annual portfolio credit risk reviews for Regional General Managers (RGM), Region Controllers, and Senior Credit management with emphasis on High Credit Risk accounts, integrating customer's margins, terms of sale, and Days Sales Outstanding (DSO).\n\nManage daily order credit hold process driven by significant past dues and/or over credit limits and proactively engage customer service, sales and collector representatives to address critical AR/Credit issues and efficiently release the orders from credit hold.\n\nCollaborate effectively with cross-functional Order to Cash (OTC) teams (collections, cash application, dispute management, new accounts, and billing) as well as Sales and Customer Service teams to resolve complex AR issues, High Risk situations, and effectively support customer relationships.\n\nAssess delinquent accounts for potential short term payment plans, settlement, or deemed non-collectable by using credit agency scores and public information to recommend bad debt reserve if needed. In case of bankruptcy, prepare and submit proof of claim to the court.\n\nMonitor bad debt AR with outside collection agencies and audit ongoing collection activity, review agency recommendations and next steps on a case-by-case basis, liaising with internal sales and legal teams.\n\nAct as a role model to others, possessing leadership attributes\nDemonstrate the ability and desire to help improve skills within the team.\n\nMaintain a genuinely positive influence in a team environment.\n\nDemonstrates ability to provide effective support and guidance to all team members.\n\nRecognized by peers to be consistently dependable and reliable day after day.\n\nThe Qualifications, Skills and Knowledge You Will Bring:\nBachelor’s degree in finance, accounting, economics or related areas.\n\nMinimum of 2-3 years of applicable business experience.\n\nStrong knowledge of operational, accounting, and finance topics.\n\nUnderstand and interpret various credit market factors and industry risks.\n\nAbility to recommend credit limits and manage OTC procedures for AR portfolio of $50 million+\n\nQuick turn-around ability to make credit decisions leveraging deep financial analysis, credit agency scores, references or payment history, and any other indirect information.\n\nPrepare accurate accounts receivable and risk performance reports as required.\n\nAbility to communicate effectively and competently with high level financial managers.\n\nCapability to research and resolve discrepancies regarding customer accounts receivable.\n\nAbility to arrange payment plans, monitor delinquent accounts, manage bad debt reserves and write-off processes.\n\nUnderstanding of credit and bankruptcy laws and procedures.\n\nProactive multitasker with excellent written, verbal, and active listening skills.\n\nDevelop effective working relationships with business sales/finance and external customers.\n\nProficiency in Microsoft Suite Products and knowledge of SAP.\n\nSkilled or Talented in the following competencies:\nCustomer focus\n\nTimely Decision Making\n\nPriority Setting/Time Management\n\nDealing with Ambiguity\n\nAction Oriented\n\nDrive for Results\n\nProblem Solving\n\nListening\n\nConflict Management\n\nOrganizational Agility\n\nSelf-development\n\nLimited Travel Required (10%)\n\nPreferred Qualifications:\nExperience in providing credit limits, analyzing financials and identifying bad debt risk behaviors.\n\nProficiency in Order to Cash Processes such as credit, collections, cash application, disputes, and billing.","description_format":"text","description_chars":4758,"description_truncated":false,"requirements":{"experience_years_min":2,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":false},"security_clearance":false,"languages":[]},"benefits":[],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Paper & Pulp Manufacturing","Packaging & 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