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Associate Credit Jobs in Texas (NOW HIRING)

HD Supply

Credit Services Associate

New Braunfels, TX · On-site

Monitors and tracks customer orders in accordance with credit and collection standards and to ... associate. We value the diversity of our people. Equal Employment Opportunity HD Supply is an Equal ...

Ferguson Enterprises

Credit Trainee

La Porte, TX · On-site

Ferguson is a community of proud associates who operate with the shared purpose of building ... The Credit Trainee program is designed to accelerate your career in credit by teaching you the ...

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Associate Credit information

What is an associate credit?

Associate Credit professionals are entry- to mid-level employees who work in financial institutions or corporate finance teams, focusing on assessing the creditworthiness of individuals or companies. Their responsibilities often include analyzing financial statements, preparing credit reports, assisting in loan underwriting, and monitoring existing credit portfolios. They play a crucial role in ensuring that lending decisions are based on sound financial analysis and risk assessment. Associate Credit professionals typically work under the supervision of senior credit analysts or managers and may interact with clients to gather necessary financial information.

What is a credit associate?

A credit associate or analyst determines whether or not clients are good candidates for credit cards, loans, or financing options. Credit associate jobs are found in the banking industry and other corporate settings that provide financial services, like vehicle dealerships. Job duties include gathering data about potential clients, analyzing their financial information, and making a recommendation about their credit risk. The qualifications for this career are a bachelor’s degree in accounting or finance, experience in the financial industry, and quantitative analysis skills.

What are the key skills and qualifications needed to thrive as an associate credit?

To thrive as an Associate Credit professional, you need strong analytical skills, attention to detail, and a solid understanding of financial principles, typically backed by a degree in finance, accounting, or a related field. Proficiency with credit analysis tools, financial modeling software, and CRM systems is often required. Excellent communication, problem-solving abilities, and teamwork are essential soft skills for effectively collaborating with clients and internal teams. These competencies ensure accurate credit assessments, risk management, and the building of strong client relationships, all of which are critical for organizational success.

What are some common challenges faced by an associate credit, and how can they be overcome?

Associate Credit professionals often encounter challenges such as analyzing complex financial data, balancing multiple client accounts, and meeting tight deadlines for credit assessments. Effective time management and strong analytical skills are crucial to handle these tasks efficiently. Collaboration with senior credit analysts and other departments, such as sales or risk management, can provide valuable insights and support. Continuous learning about industry regulations and credit risk models also helps in staying updated and improving performance.

What is the difference between Associate Credit vs Credit Analyst?

AspectAssociate CreditCredit Analyst
Required CredentialsBachelor's degree in finance, economics, or related field; some roles may require certifications like CFA or CPABachelor's degree in finance, accounting, or related field; certifications like CFA are common but not mandatory
Work EnvironmentTypically in banking or financial institutions, working in teams to assess creditworthinessOften in banks, credit bureaus, or financial firms, analyzing data and preparing reports
Employer & Industry UsageUsed by banks, lending companies, and financial institutions for credit assessmentUsed by banks, credit agencies, and financial firms for evaluating credit risk

Both Associate Credit and Credit Analyst roles involve assessing creditworthiness, requiring similar educational backgrounds and working in financial environments. The main difference lies in job scope: Associate Credit often supports credit decision processes, while Credit Analysts perform detailed credit risk analysis and reporting.

More about Associate Credit jobs

What are the most commonly searched types of Credit jobs in Texas?

The most popular types of Credit jobs in Texas are:

What cities in Texas are hiring for Associate Credit jobs?

Cities in Texas with the most Associate Credit job openings:

Associate Credit jobs near you

Credit Services Associate

HD Supply

New Braunfels, TX

Full-time

Re-posted 3 days ago

HD Supply rating

7.8

Company rating: 7.8 out of 10

Based on 153 frontline employees who took The Breakroom Quiz

145th of 423 rated retail wholesalers

Job description

Job Summary

Responsible for responding to inbound calls providing customer service and responding to inquiries on general account information. Gather and translate all necessary customer account information and internal data to ensure the ability to collect receivables.

Major Tasks, Responsibilities, and Key Accountabilities

  • Performs accurate and timely entry of customer selection(s) into order processing system.
  • Monitors and tracks customer orders in accordance with credit and collection standards and to ensure on-time delivery.
  • Responds to general customer account inquires received via the telephone, e-mail, and fax correspondence.
  • Performs necessary follow-up to ensure customer expectations are met.
  • Utilizes business systems to document notes and conduct information gathering.
  • Resolves issues with customers including processing adjustments on late charges and overages/shortages based on pre-established guidelines.
  • Performs to monthly department standards audits including call assessments, proper account notation, updating account records with accurate contact information, and, timely response to general account inquires received via phone, email or fax.
  • Performs other duties as assigned.

Nature and Scope

  • Selects correct processes from clearly prescribed rules, past practices, or instruction. Seeks advice and guidance on non-routine or problem areas from supervisor. Deviations from the norm are cleared by the supervisor.
  • Under close supervision, exercises limited latitude/independent judgment. Work typically involves detailed checks or close review of output by a senior coworker and/or supervisor.
  • None.

Work Environment

  • Located in a comfortable indoor area. Any unpleasant conditions would be infrequent and not objectionable.
  • Most of the time is spent sitting in a comfortable position and there is frequent opportunity to move about. On rare occasions there may be a need to move or lift light articles.
  • No travel required.

Education and Experience

  • HS Diploma or GED strongly preferred. 0-2 years of experience in area of responsibility.

Our Goals for Diversity, Equity, and Inclusion

We are committed to creating a culture that promotes equity, respect, and advocacy for every HD Supply associate. We value the diversity of our people.

Equal Employment Opportunity

HD Supply is an Equal Opportunity/Affirmative Action Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, pregnancy, sexual orientation, gender identity, national origin, age, protected veteran status, or disability status.

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