Senior Credit Analyst

Sun Gro Horticulture is one of the most prominent North American horticultural companies, employing over 800 staff and serving customers worldwide. Since its humble beginnings in 1929, it has become the leading supplier of soilless growing mixes to North America’s top 100 greenhouse and nursery growers, shipping over 70,000 truckloads of product annually. Sun Gro products are made to exacting standards and conform to high product quality and performance criteria.

Sun Gro Horticulture recognizes that its success is due to the strength of its employees. The primary goal of Sun Gro® is to promote individual employees’ sense of accomplishment and contribution so that employees enjoy their association with Sun Gro Horticulture. The Company invests in its employees so that they are the most knowledgeable in the industry, and undertakes great efforts to nurture loyalty to, and teamwork at, Sun Gro.

Job Summary

Key areas of responsibility include adherence to and management of internal control policies and procedures.

The Senior Credit Analyst is responsible for evaluating the creditworthiness of new and existing customers, establishing and managing credit limits, and minimizing financial risk while supporting revenue growth. This role partners closely with Sales and Finance to ensure prudent credit decisions aligned with company policies and business objectives.

The successful candidate will possess the ability to coordinate between multiple departments and locations and will develop a solid understanding of processes.

The Senior Credit Analyst will be an integral member of the Accounts Receivable/Credit Team with a concentration on assisting the Sr Manager, AR & Credit. Upbeat and positive attitude, organized, attention to detail and professional demeanor are necessary.

Compensation

$70,000-$75,000

Fully Onsite role in Mississauga

Benefits

• Health Insurance (includes telemedicine, virtual health, FSA, HCSA & other benefits)
• Dental Insurance
• Vision Insurance
• Life Insurance
• Health Spending Account
• Employee Support and Mental Wellness
• Short-term disability
• 401k Match
• Paid vacation
• Floating days
• Employee Assistance Program
• Employee Engagement Events
• Awards and Recognition
• Tuition Reimbursement
• Service Awards
• Employee Perks & Discounts

Job Responsibilities

• Analyze customer financial statements, credit reports, payment history, and industry data to assess
• credit risk
• Approve, modify, or recommend credit limits within assigned authority levels
• Monitor customer accounts and proactively identify risk trends or deterioration in credit quality
• Review aging reports, support collections strategies, and recommend account escalations or credit
• holds
• Perform pre-season and in-season credit reviews to support peak selling periods.
• Prepare clear, well-documented credit recommendations and risk assessments for management
• review
• Ensure compliance with internal credit policies and external regulatory requirements
• Partner closely with Sales to support account growth while protecting company assets
• Support month-end and quarter-end reporting related to credit exposure and bad debt
• Participate in process improvements, automation initiatives, and policy updates

Qualifications

• Strong understanding of financial statement analysis and cash flow evaluation
• Experience working with credit bureaus, D&B, CreditSafe, or similar tools
• Proficiency in ERP systems (Business Central) and Excel
• Strong analytical, decision-making, and problem-solving skills
• Excellent written and verbal communication skills
• Ability to work independently and manage multiple priorities in a fast-paced environment

EDUCATION AND EXPERIENCE

• Degree in Finance, Accounting, Business, or a related field (CPA) preferred
• 2-5+ years of progressive experience in credit analysis, credit risk, or commercial credit preferred

ADDITIONAL REQUIREMENTS

• Risk assessment in a season industry
• Attention to detail and policy discipline
• Business partnership mindset
• Negotiation and conflict resolution
• Ability to work under tight seasonal timeline

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