Credit & Master Data Management Analyst I

Join a collaborative team that works closely with customers and teams across the business. In this position, you will help manage customer credit, monitor receivables and available credit, respond to account inquiries, and keep credit decisions and customer information current. Your work will support strong customer relationships, informed commercial decisions, and the smooth flow of day-to-day operations.

The Credit & Master Data Management Analyst II is a key point of contact for customer credit matters throughout the day. You will review aging and past-due commentary, contact customers regarding outstanding balances, communicate available credit, coordinate billing disputes with the Commercial and Billing teams, and complete thoughtful annual credit reviews. You will also support customer setup and master data across multiple systems and help ensure the daily auto-draft process operates as expected.

This role offers broad exposure to Credit, Treasury, Billing, Commercial, Legal, Information Technology, and customers. It is a strong opportunity for someone who communicates clearly, enjoys learning the business, and takes issues from identification through resolution. We are looking for a proactive problem solver who seeks answers, engages the right partners, recommends a path forward, and knows when to escalate. As your knowledge and capabilities grow, so can the range and complexity of your responsibilities.

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• Bachelor’s degree in accounting, finance, business, or a related field preferred. Relevant credit, treasury, billing master data, banking, or financial operations experience may be substituted for the degree requirements.
• Credit, treasury, accounting, or related professional certifications are preferred but not required.

More than two years of relevant experience in credit, treasury, accounting, billing, cash application, banking operations, master data, or financial systems is preferred; strong candidates with less experience may be considered based on demonstrated capability and readiness for the role.

• A track record of taking ownership, delivering accurate work, following through on commitments, and learning quickly in a fast-moving environment.
• Working knowledge of customer credit, financial-statement analysis, external credit research, collections, automated bank drafting, electronic payments, billing disputes, and customer master data processes preferred.
• Strong analytical, problem-solving, organizational, and follow-through skills, including the ability to identify root causes and coordinate resolution across multiple teams.
• Excellent written and verbal communication skills, with the judgment to escalate material or aging issues to management promptly.
• Ability to manage multiple deadlines, adjust priorities, and respond to time-sensitive customer or system issues.
• Experience with Oracle, RightAngle, CreditPoint, and Microsoft Office is preferred.
• A commitment to protecting confidential information, working well with others, sharing ideas, and finding practical ways to make processes stronger and more efficient.
• Fluent in English, oral and written required.
• Ability to adjust schedule to meet business needs.

• Customer Service: Respond promptly and professionally to customer and internal inquiries, research open questions, and maintain clear communication through resolution.
• Daily Credit and Collections: Review the daily aging report and support commentary, contact customers regarding past-due balances, follow up on commitments, and identify items requiring additional attention or escalation.
• Available Credit: Prepare and distribute daily available-credit information and respond timely to customer and internal questions regarding credit availability, exposure, payment timing, and early draft options.
• Credit Monitoring: Monitor customer credit limits, exposure, aging, payment performance, and account status; recognize changing risk indicators and communicate concerns early to support informed business decisions.
• Credit Requests and Recommendations: Evaluate new customer credit requests and temporary or permanent credit-limit increases, develop a clear recommendation, and route requests for approval in accordance with established credit policy and delegated authority.
• Credit Analysis and Reviews: Complete comprehensive initial and annual reviews for assigned customers, including analysis of financial statements, liquidity, leverage, profitability, cash flow, corporate structure, payment history, exposure, and other relevant risk considerations. Incorporate external credit reports, trade references, public filings, ratings, market information, and other appropriate sources into a well-supported written recommendation.
• Credit Holds and Order Release: Review accounts on credit hold, gather the relevant payment, exposure, and dispute information, and work with Credit and the Commercial team to support timely order- or shipment-release decisions within established approval authority.
• Credit Support: Help evaluate, document, and monitor appropriate credit-support arrangements, including guarantees, letters of credit, collateral, prepayments, credit insurance, or other risk-mitigation tools, in coordination with Credit, Legal, Treasury, and Commercial partners.
• Credit Documentation: Maintain current and complete credit files and coordinate with Legal when a nondisclosure agreement or other documentation is needed to obtain or evaluate confidential customer information.
• Dispute Coordination: Serve as a liaison among customers, Billing, and the Commercial team when a customer identifies a dispute; clarify the issue, connect the appropriate owners, track progress, and help move the matter to resolution.
• Auto- Draft Support: Review the prior day’s auto-draft activity each morning, confirm the daily auto- draft job initiates as expected, coordinate early drafts when needed, and investigate failed or incomplete processing.
• Systems and Connectivity: Troubleshoot drafting, system, or bank-connectivity issues with Treasury and Information Technology; stay engaged through testing and resolution.
• Customer Setup and Master Data: Coordinate customer setup and maintain complete, accurate, and consistent customer master data across multiple systems, including credit terms, payment methods, drafting instructions, banking information, and related controls.
• Ownership and Escalation: Take ownership of issues, gather the relevant facts, engage appropriate partners, recommend next steps, and follow through. Escalate material or unresolved matters with a clear summary of the issue, actions taken, options, and recommended path forward.
• Process Improvement and Controls: Maintain documentation, reporting, reconciliations, and control support while identifying practical ways to improve accuracy, consistency, responsiveness, and efficiency.
• Projects and Development: Contribute to projects and special assignments as needed, build knowledge across credit and related business processes, and take on broader responsibilities as experience and capability grow.

In this role, you will be a trusted resource for customers and colleagues by keeping credit information current, communicating clearly, and helping issues move forward. Strong performance will look like:

• Customers and internal partners receive timely, thoughtful responses and know who owns the next step.
• Past-due balances, aging commentary, available credit, and changing exposure are actively monitored and clearly communicated.
• New, increased, and annual credit reviews combine thoughtful financial analysis and relevant external research into clear recommendations that support confident decisions within established credit policy and approval authority.
• Credit holds, order-release questions, and credit-support needs are evaluated promptly, with the relevant facts, risk considerations, and recommended next steps communicated to the appropriate decision makers.
• Billing disputes and operational issues are not simply redirected; the analyst helps define the problem, connect the right people, track progress, and drive toward resolution.
• Auto-draft activity is reviewed reliably, exceptions are addressed promptly, and early-draft needs are coordinated with customers and internal partners.
• Customer setup, master data, credit files, controls, and reporting are accurate, current, and dependable across systems.
• Challenges are approached with curiosity, sound judgement, persistence, and a proposed path forward, creating opportunities to learn, contribute, and take on increasingly complex work.

Applicants must be eligible to work in the United States. The Company will not sponsor immigration or work visas.

CVR Energy is an Equal Employment Opportunity employer. We encourage qualified minority, female, veteran, and disabled candidates to apply.