Senior Credit Analyst - 6 Month Contract

About the Opportunity Credit Risk Assessment & Account Management Analyze customer financial statements, credit reports, trade references, and payment history to assess creditworthiness. Recommend credit limits, terms, and risk classifications in line with company policy. Review and update existing customer credit files on a regular basis. Support onboarding of new customers through credit approval processes. Develop customer risk and performance assessments through analysis of financial statements, payment trends, business operations, and industry benchmarking. Provide proactive recommendations regarding credit exposure, credit limit adjustments, account growth opportunities, and risk mitigation strategies. Analyze customer operational and financial performance to provide meaningful credit insights and business recommendations to Finance, Sales, and leadership teams. Reporting, Analytics & Operational Oversight Prepare and analyze AR aging, customer exposure, bad debt trends, and collection performance reports. Identify trends, risks, and opportunities through data analysis and provide actionable recommendations to management. Support forecasting activities related to cash collections and bad debt reserves. Ensure accurate customer master data and credit records within ERP systems. Collections Leadership & Escalation Support Lead collection efforts for complex, escalated, or high-balance accounts. Partner closely with Sales, Customer Service, Logistics, and Finance teams to resolve disputes impacting collections. Support negotiation of payment plans, account resolutions, and risk mitigation strategies. Assist the Credit & Collections Manager in prioritizing collection activities and monitoring team performance. Cross-Functional Business Partnership Build strong working relationships with Sales, Customer Service, Operations, and Finance teams to support business growth while maintaining appropriate risk controls. Provide recommendations and risk assessments to support business decisions while balancing revenue growth and financial risk mitigation. Participate in customer meetings when necessary to support account resolution or credit discussions. Process Improvement & Compliance Support continuous improvement initiatives related to credit, collections, and AR workflows. Assist in developing standardized procedures, controls, and documentation. Ensure compliance with internal controls, audit requirements, and company credit policies. Participate in internal and external audit support activities. Support departmental projects, workflow coordination, and operational priorities. Administrative & Reporting Support Maintain organized credit files and documentation. Support ad hoc analysis and reporting requests from leadership. Assist with month-end and year-end closing activities related to AR. All other duties as assigned Travel Ability to travel occasionally within North America (10–20%) About You Bachelor’s degree in Finance, Accounting, Business Administration, or related field 5+ years of experience in credit analysis, accounts receivable, or collections Experience in manufacturing, distribution, or B2B environments preferred Strong proficiency in ERP systems Advanced Excel skills (pivot tables, VLOOKUP, data analysis) Experience with credit reporting tools (e.g., D&B, Equifax) Mandarin language skills are considered an asset Pay Range $40 - $42 / hour How to Apply Click the “Apply Now” button and follow the instructions to submit your resume. Please know that we only accept documents in MS Word or Rich Text formats. When referencing this job, quote # 479661 This position for employment is for a current vacancy with Vaco/Highspring’s client. You must currently reside within the Greater Toronto Area and be permitted to work in Canada to be considered for this opportunity. A recruiter will be in touch with you if your profile meets our client’s requirements for this role. Determining compensation for this role (and others) at Vaco/Highspring depends upon a wide array of factors including but not limited to the individual’s skill sets, experience and training, licensure and certifications, office location and other geographic considerations, as well as other business and organizational needs. With that said, as required by local law in geographies that require salary range disclosure, Vaco/Highspring notes the salary range for the role is noted in this job posting. The individual may also be eligible for discretionary bonuses, and can participate in medical, dental, and vision benefits as well as the company’s 401(k) retirement plan. Additional disclaimer: Unless otherwise noted in the job description, the position Vaco/Highspring is filing for is occupied. Please note, however, that Vaco/Highspring is regularly asked to provide talent to other organizations. By submitting to this position, you are agreeing to be included in our talent pool for future hiring for similarly qualified positions. Submissions to this position are subject to the use of AI to perform preliminary candidate screenings, focused on ensuring minimum job requirements noted in the position are satisfied. Further assessment of candidates beyond this initial phase within Vaco/Highspring will be otherwise assessed by recruiters and hiring managers. Vaco/Highspring does not have knowledge of the tools used by its clients in making final hiring decisions and cannot opine on their use of AI products.

EEO Notice

Vaco by Highspring is an Equal Opportunity Employer and does not discriminate against any employee or applicant for employment because of race (including but not limited to traits historically associated with race such as hair texture and hair style), color, sex (includes pregnancy or related conditions), religion or creed, national origin, citizenship, age, disability, status as a veteran, union membership, ethnicity, gender, gender identity, gender expression, sexual orientation, marital status, political affiliation, or any other protected characteristics as required by federal, state or local law.

Vaco by Highspring and its parents, affiliates, and subsidiaries are committed to the full inclusion of all qualified individuals. As part of this commitment, Vaco by Highspring and its parents, affiliates, and subsidiaries will ensure that persons with disabilities are provided reasonable accommodations. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact HR@vaco.com.

Vaco by Highspring also wants all applicants to know their rights that workplace discrimination is illegal.

Representation Notice

By submitting to this position, you agree that you will be giving Vaco by Highspring the exclusive right to present your as a candidate for the foregoing employment opportunity. You further agree that you have represented information about yourself accurately and have not affirmatively misrepresented your qualifications. You also agree to maintain as confidential, to the fullest extent permitted by law, any information you learn from Vaco by Highspring about the position and you will limit disclosure of information about the position only to the extent necessary to perform any obligations in furtherance of your application. In exchange, Vaco by Highspring agrees to exercise reasonable efforts to represent you through all solicitation, job screening and resume dispersal.

For residents of Ontario, Canada: Based on Highspring’s discussions with its Client, Highspring’s understanding is that this position for employment is a current vacancy (either through Highspring as a contractor or with the client directly).

Privacy Notice

Vaco by Highspring and its parents, affiliates, and subsidiaries (“we,” “our,” or “Vaco by Highspring”) respects your privacy and are committed to providing transparent notice of our policies.

• California residents may access Vaco by Highspring HR Notice at Collection for California Applicants and Employees here.
• Virginia residents may access our state specific policies here.
• Residents of all other states may access our policies here.
• Canadian residents may access our policies in English here and in French here.
• Residents of countries governed by GDPR may access our policies here.

Additionally, submissions to this position are subject to the use of AI to perform preliminary candidate screenings, focused on ensuring minimum job requirements noted in the position are satisfied. More details about Vaco by Highspring’s use of AI can be found here (https://www.highspring.com/ai-use-notices/). Further assessment of candidates beyond this initial phase will be conducted by recruiters and hiring managers. Vaco by Highspring does not know and cannot opine on if its client’s use of AI products in hiring.

Pay Transparency Notice

Determining compensation for this role (and others) at Vaco by Highspring depends upon a wide array of factors including but not limited to:

• the individual’s skill sets, experience and training;
• licensure and certification requirements;
• office location and other geographic considerations;
• other business and organizational needs.

With that said, as required by local law, Vaco by Highspring believes that the following salary range referenced above reasonably estimates the base compensation for an individual hired into this position in geographies that require salary range disclosure. The individual may also be eligible for discretionary bonuses.