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Meriton · 1 day ago

Credit Analyst

Irving, TX

Full-time

Hybrid

Senior Level

5+ years exp

Meriton is a national team of experts driving HVAC innovation through a network of high-performing companies. The Credit Analyst serves as a senior individual contributor responsible for performing complex financial analysis, managing high-risk accounts, and providing oversight for credit risk management and customer master data integrity across multiple business units.

ConstructionIndustrial EngineeringIndustrial ManufacturingManufacturingMechanical Engineering

Responsibilities

Review and approve credit applications within delegated authority limits

Conduct in-depth financial statement analysis, risk scoring, and exposure aggregation across multiple entities

Recommend credit terms and limits for high-value or high-risk accounts

Ensure credit limit reviews are completed every 6–12 months or upon trigger events

Support legal and management teams in escalated credit or lien issues

Analyze A/R aging and DSO performance; identify exposure concentrations

Track and report portfolio-level credit KPIs in Power BI and Excel dashboards

Perform root cause analysis of delinquencies or credit losses

Provide inputs for bad debt allowance and reserve calculations

Oversee compliance with SOX and audit standards for documentation accuracy

Maintain integrity of customer master data within Microsoft Dynamics 365

Identify and resolve duplicate accounts across operating companies

Support integration of new business units or system migrations

Build and enhance analytical reports and credit dashboards in Power BI

Coordinate with operations, collections, and sales to manage customer risk and resolve disputes

Mentor junior credit analysts and assist in training cross-functional staff

Participate in credit committee meetings and present portfolio analysis to leadership

Contribute to internal controls testing and process improvement initiatives

Regular, consistent and necessary attendance to meet the needs of the business

Performs other duties and responsibilities as assigned

Must conduct self in an ethical, legal, and responsible manner at all times

Must adhere to the policies, principles, and guidance within the Employee Handbook and Code of Conduct

Qualification

Credit analysisFinancial statement analysisMicrosoft Dynamics 365Power BISOX complianceAnalytical skillsCommunication skillsInterpersonal skillsAttention to detailOrganizational skills

Required

Bachelor's degree preferred

5+ years of experience in credit analysis, financial review, or related accounting/finance role

Strong analytical skills with ability to interpret financial statements

Proficiency with Microsoft Dynamics 365, F&O, Excel (pivot tables, xlookups), and Outlook

Strong understanding of multi-entity exposure aggregation and risk reporting

Experience supporting SOX compliance, audits, and process improvement projects

Must be proficient in the Microsoft Office Suite, including Outlook, Excel, PowerPoint and Word

Excellent communication and interpersonal skills with the ability to build strong relationships across all levels of the organization

Strong verbal and written communication skills

Ability to effectively communicate and present information one-on-one and in group situations, and outside of the company

Ability to solve practical problems and manage a variety of variables in situations and with problems where only limited information or standardization exists

Strong attention to detail

Ability to work in a fast-paced environment

Must be a self-starter, independent, and strong organization skills, with the ability to manage multiple priorities and deadlines at any given time

Ability to establish and build effective working relationships with colleagues and staff

Acceptance of a variety of lifestyles, behaviors, and cultural, and spiritual practices