Credit Analyst

Meriton is a national team of experts driving HVAC innovation through a network of high-performing companies. From strategy and support to systems and solutions, we work behind the scenes to strengthen operations and build value—for our partners and our people.

If you’re looking to make an impact, we’re glad you’re here. At Meriton, you’ll join a team that believes in big ideas, doing great work, and building careers that matter—every step of the way.

Position Description

Job Title: Credit Analyst

Reports To: Credit & Collections Supervisor

FLSA Status: Exempt

Location: Shared Services Office, Irving, TX

Summary:

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. This role includes credit approvals, portfolio analytics, and performance reporting to support sound financial decision-making and compliance with company policies. The Senior Credit Analyst acts as a subject matter expert and mentor to peers, driving process improvements and risk reduction initiatives across the credit function.

Essential Duties and Responsibilities:

Credit Analysis:

• 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.

Portfolio Monitoring & Reporting:

• 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.

System Oversight:

• 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.