Credit Analyst

Credit Risk Analyst

Position Title : Credit Risk Analyst

Pay Rate : $75,000 - $87,000 (PL8) Multiple factors, including individual experience, skills and abilities will determine where an employee is ultimately placed in the pay range.

Category / Shift : Salaried Full-Time

Physical Location : 1740 International Drive, Memphis, TN 38197

The Job You Will Perform :

Engage with customers to gather financial statements and transform them into written financial analysis and credit limit recommendations for management aligned with customer needs and companys risk appetite.

Conduct 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.

Prepare 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.

Evaluate 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.

Prepare 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 customers margins, terms of sale, and Days Sales Outstanding (DSO).

Manage 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.

Collaborate 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.

Assess 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.

Monitor 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.

Act as a role model to others, possessing leadership attributes.

Demonstrate the ability and desire to help improve skills within the team.

Maintain a genuinely positive influence in a team environment.

Demonstrates ability to provide effective support and guidance to all team members.

Recognized by peers to be consistently dependable and reliable day after day.

The Qualifications, Skills and Knowledge You Will Bring :

Bachelors degree in finance, accounting, economics or related areas.

Minimum of 2-3 years of applicable business experience.

Strong knowledge of operational, accounting, and finance topics.

Understand and interpret various credit market factors and industry risks.

Ability to recommend credit limits and manage OTC procedures for AR portfolio of $50 million+ Quick turn-around ability to make credit decisions leveraging deep financial analysis, credit agency scores, references or payment history, and any other indirect information.

Prepare accurate accounts receivable and risk performance reports as required.

Ability to communicate effectively and competently with high level financial managers.

Capability to research and resolve discrepancies regarding customer accounts receivable.

Ability to arrange payment plans, monitor delinquent accounts, manage bad debt reserves and write-off processes.

Understanding of credit and bankruptcy laws and procedures.

Proactive multitasker with excellent written, verbal, and active listening skills.

Develop effective working relationships with business sales / finance and external customers.

Proficiency in Microsoft Suite Products and knowledge of SAP.

Skilled or talented in the following competencies : Customer focus, Timely Decision Making, Priority Setting / Time Management, Dealing with Ambiguity, Action Oriented, Drive for Results, Problem Solving, Listening, Conflict Management, Organizational Agility, Self-development.

Limited Travel Required (10%)

Preferred Qualifications :

Experience in providing credit limits, analyzing financials and identifying bad debt risk behaviors.

Proficiency in Order to Cash Processes such as credit, collections, cash application, disputes, and billing.

The Benefits You Will Enjoy :

International Paper offers a benefits package that includes health, welfare and retirement plans including Medical, Dental, Life insurance, Flexible Spending Accounts, Short-term and Long-term Disability, 401(k), Company-funded retirement contributions, Paid Time Off, Education & Development (including Tuition Reimbursement), Student Loan Repayment Assistance, and Voluntary Benefits including insurance for home, auto, vision and pets.

The Career You Will Build :

Sales and Leadership training, promotional opportunities within a global company.

The Impact You Will Make :

We continue to build a better future for people, the planet, and our company! IP has been a good steward of sustainable practices across communities around the world for more than 125 years. Join our team and youll see why our team members say theyre Proud to be IP.

The Culture You Will Experience :

International Paper promotes employee well-being by providing safe, caring and inclusive workplaces. We have team members all around the world with diverse backgrounds, experiences, and perspectives. These are our strengths. We are committed to creating a culture where all individuals are respected, valued, engaged and have an opportunity to do their best work every day. We invite you to bring your uniqueness, creativity, talents, experiences, and safety mindset to be a part of our increasingly inclusive and diverse culture.

The Company You Will Join :

International Paper (NYSE : IP) is the global leader in sustainable packaging solutions. With company headquarters in Memphis, Tennessee, USA, and EMEA (Europe, Middle East and Africa) headquarters in London, UK, we employ more than 65,000 team members and serve customers around the world with operations in more than 30 countries. Together with our customers, we make the world safer and more productive, one sustainable packaging solution at a time. Net sales for 2024 were $18.6 billion. In 2025, International Paper acquired DS Smith creating an industry leader focused on the attractive and growing North American and EMEA regions. Additional information can be found by visiting internationalpaper.com