Note: The job is a remote job and is open to candidates in USA. Trilyon, Inc. is seeking a Senior Credit Analyst to assess and manage commercial credit risk. The role reviews customer creditworthiness, fraud indicators, payment behavior, and order releases; documents decisions for audit compliance; and partners with Sales, Collections, and Deal Desk to improve credit processes and mitigate risk.
Responsibilities
- Perform commercial creditworthiness reviews and recommend credit limits, payment terms, prepayment, or other risk mitigation
- Review prospective customers and orders for potential fraud indicators
- Evaluate order release requests for customers with past-due balances and communicate decisions to Sales and Collections
- Maintain accurate documentation of credit reviews, decisions, and exceptions to support ASC 606 and audit requirements
- Monitor customer payment behavior, exposure, and other risk indicators
- Track credit review volume, turnaround time, exposure, and outcomes
- Review and improve credit policies, procedures, risk tolerances, and automation opportunities
- Support SOX testing and internal/external audits related to credit
- Partner with Collections, Sales, and Deal Desk to identify and address credit-risk patterns
Skills
- Experience performing B2B/commercial credit reviews under a written credit policy
- Ability to analyze company financial statements and third-party credit reports
- Experience documenting credit decisions for audit purposes
- Working knowledge of ASC 606 collectibility requirements
- Strong judgment and ability to balance business opportunities with credit risk
- Excellent written communication skills
- Strong proficiency in Excel or Google Sheets
- • 6+ years of experience in commercial credit, credit risk, or related accounts receivable roles
- • Experience building or helping establish a credit function in a fast-growing company
- • Experience identifying and preventing first-party or account-opening fraud
- • Experience with order hold/release processes and Sales partnership
- • Experience with platforms such as Tesorio, HighRadius, Billtrust, or Growfin
- • Experience with credit data providers such as Dun & Bradstreet, Moody's, Experian, or Creditsafe
- • Familiarity with Salesforce, Stripe, NetSuite, Oracle, or SAP
- • Experience designing credit policies, scoring models, or risk tolerance frameworks
- • Experience supporting SOX controls and audits
- • Comfortable using AI tools in day-to-day work
- • Basic SQL skills
Benefits
- W2 employment
- Remote work arrangement
Company Overview