Senior Credit Associate
New York, New York
Our client is a well-established financial services organization in the apparel industry. They specialize in account receivables and credit solutions for a diverse client base. They are seeking a Senior Credit Associate to support and protect portfolio performance by managing credit exposure, assessing risk, and ensuring compliance with internal policies and insurance requirements.
This role is ideal for a credit professional who can independently manage a complex credit portfolio, balance approvals with risk mitigation, and collaborate closely with internal teams to support cash flow and long-term client success.
RESPONSIBILITES
Manage and monitor credit exposure for an assigned portfolio of client accounts
Review, approve, and adjust credit limits while maintaining disciplined risk controls
Analyze financial statements to assess customer creditworthiness
Identify accounts requiring increased oversight and take proactive action
Coordinate with credit insurance providers and factoring partners
Address insurance rescissions and policy compliance matters
Process changes to invoice terms and approved credit when necessary
Serve as a point of contact for credit-related client and internal inquiries
Collaborate with collections to align credit strategy and recovery efforts
Maintain accurate records of credit decisions, communications, and account activity
Ensure timely and accurate updates across internal credit systems
REQUIREMENTS
5+ years of experience in credit, receivables finance, factoring, or financial services
Strong understanding of credit insurance, risk mitigation, and portfolio management
Proven ability to independently manage high-volume and complex credit queues
Experience analyzing financial statements and assessing credit risk
Strong organizational skills with high attention to detail
Clear written and verbal communication skills
Ability to collaborate effectively across departments
