Credit Analyst

As the largest pureplay adhesives company in the world, H.B. Fuller's (NYSE: FUL) innovative, functional coatings, adhesives and sealants enhance the quality, safety and performance of products people use every day. Founded in 1887, with 2024 revenue of $3.6 billion, our mission to Connect What Matters is brought to life by more than 7,500 global team members who collaborate with customers across more than 30 market segments in over 140 countries to develop highly specified solutions that enable customers to bring world-changing innovations to their end markets. Learn more at www.hbfuller.com.

The Credit Analyst reports to the North American Credit & Collections Supervisor and is responsible for assessing customer credit risk and mitigating marginal risk to minimize bad debt and support sales growth. This role also contributes to monthly reporting and accounting for North American accounts receivable. The position requires strong analytical, communication, and collaboration skills to work effectively with internal teams and customers.

Primary Responsibilities

Customer Risk Assessment and Mitigation (40%)

• Assess customer credit conditions using internal experience, sales input, agency reports, and financial data.
• Assign risk ratings and establish or recommend credit limits based on authority level.
• Collaborate with Sales and customers to mitigate marginal risk and escalate complex cases to the Manager.
• Complete risk assessments within established service agreements.

Order Holds for Over Limit and Aging Conditions (25%)

• Address customer orders held due to credit limits or aging issues by coordinating with Sales, Customer Service, or customers.
• Update credit assessments and recommend credit limit changes based on sales volume shifts.
• Work closely with internal teams to avoid unnecessary order delays.

Escalation of Collection Issues (20%)

• Determine next steps for collection after routine follow-up by Credit & Collections representatives.
• Collaborate with Sales Managers on delinquency resolution and future order planning.
• Recommend or escalate complex delinquency cases to the Manager.
• Respond to customer insolvency situations and submit required documentation to agencies or courts.

Reporting and Transaction Support (15%)

• Execute queries and compile reports for management or audit purposes.
• Respond to audit inquiries and support controls, reports, or transactions.
• Provide backup support for the A/R Supervisor as needed.
• Collaborate with management to support the Integrated Management System and comply with internal policies and procedures.

Minimum Requirements

• College degree in Business, Finance, Accounting or related field.
• Minimum of 2 years of commercial credit experience.
• Strong troubleshooting and negotiation skills with the ability to work independently.
• Proficient in Microsoft Office, especially Excel.
• Strong written and verbal communication skills in English.
• Ability to travel occasionally (1-2 trips per year).

Preferred Requirements (4-5 bullet points)

• Experience with SAP preferred.
• Experience working in a manufacturing or B2B environment.
• Familiarity with credit risk rating systems and financial statement analysis.
• Prior experience supporting audit or compliance processes.
• Demonstrated ability to collaborate across departments and with external customers.

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Pay is based on several factors including but not limited to education, work experience, certifications, and geographic location.

In addition to your salary, H.B. Fuller offers employees a competitive total rewards package including comprehensive benefits, incentive and recognitions programs, health & wellness benefits, 401K contributions, paid time off and paid holidays. Eligibility may vary.

H.B. Fuller is an Equal Employment Opportunity employer and proud to have created a collaborative culture where employees around the world are seen, heard, and respected. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, or marital status or status as a protected veteran, or any other legally protected classification.

H.B. Fuller does not accept unsolicited resumes from recruiters, employment agencies, or staffing firms. To conduct business with H.B. Fuller, a written service agreement must be executed by Human Resources prior to submitting any information relating to a potential candidate. Without a signed service agreement, H.B. Fuller shall not be obligated for payment of any fee or compensation.