The Senior Credit Receivable Analyst, B2B, is responsible for evaluating and monitoring dealer credit risk and supporting all aspects of accounts receivable operations. This includes monitoring potential credit losses, ensuring the timely collection of outstanding receivables, and providing recommendations for bad debt reserves in accordance with company policies and accounting standards.
This position is based at our Corporate Office in Barrie, Ontario. You will be required to work 35 hours per week. It is fully office-based.
NATURE AND SCOPE:
Reporting to the Controller, the Senior Credit Analyst, B2B is responsible for the administration of dealer credit accounts across Canada. The position exercises independent judgment in analyzing financial information, assessing credit risk, recommending credit limits, and making order release decisions within established company policies.
The role requires regular interaction via phone, teams calls and emails with dealers, sales management, finance personnel, and external stakeholders to resolve account issues, manage credit exposure, and ensure timely collection of receivables. The incumbent must balance risk management objectives with customer service and sales support requirements.
This position requires strong analytical skills, attention to detail, sound business judgment, and the ability to communicate effectively with both internal and external stakeholders.
Credit Management / Risk Responsibilities
- Review and analyze dealer financial statements and other financial information to assess creditworthiness.
- Establish, monitor, and recommend adjustments to dealer credit limits and interest based on financial performance, payment performance and risk exposure.
- Identify high-risk accounts through financial deterioration, payment trends, aging analysis, and dealer behaviour.
- Monitor overdue balances and emerging credit risk indicators and proactively escalate concerns.
- Recommend accounts for bad debt reserve (allowance for doubtful accounts) based on credit analysis, payment history, and collectability assessments.
- Provide supporting analysis and documentation for monthly and year-end bad-debt provisioning/allowance calculations.
- Follow up on dealer inventory floor-checking results and investigate any discrepancies or issues identified during audits.
- Administer, maintain, renew, amend, and discharge Personal Property Security Act (PPSA) registrations and other security filings as required to protect the Company’s interests.
- Ensure PPSA registrations remain current and accurately reflect dealer obligations and collateral positions.
- Coordinate with external service providers, legal counsel, and internal stakeholders regarding security registrations and related documentation.
- Maintain accurate credit files and supporting documentation in accordance with company policies.
- Respond to all incoming credit reference inquiries.
Order Release and Credit Administration
- Review dealer account status and approve or hold customer orders based on credit exposure, payment performance, and established credit policies.
- Work closely with Sales and Dealer Development teams to balance business opportunities with acceptable credit risk.
- Escalate significant credit concerns and provide recommendations to management as required.
Accounts Receivable and Collections
- Process daily cash receipt batches and ensure accurate application of customer payments.
- Issue Finance charge interest invoices to dealers at the month end
- Perform weekly accounts receivable reconciliations between multiple systems and investigate variances.
- Investigate and resolve payment discrepancies, unapplied cash, and account reconciliation issues.
- Handle escalated dealer account issues, including account reconciliations, dispute resolution, and collection of past due balances.
- Work directly with dealers to resolve outstanding account issues and negotiate payment arrangements when appropriate.
- Serve as backup for Accounts Receivable collection activities during absences or peak workload periods.
Month-End and Financial Reporting Support
- Perform month-end accounts receivable reconciliations between multiple systems and investigate variances.
- Ensure accounts receivable balances are accurately reflected in financial records.
- Assist with reporting and analysis related to dealer credit exposure, aged receivables, overline accounts and collection performance.
- Support internal and external audit requests related to credit and accounts receivable activities, including quarterly internal audit confirmations to dealers.
- Support month-end and year-end close activities by providing detailed AR aging analysis and risk assessments.
- Ensure appropriate documentation is maintained to support audit requirements related to allowance for doubtful accounts.
Process Improvement and Compliance
- Identify opportunities to improve credit, collection, and accounts receivable processes.
- Ensure compliance with company credit policies, internal controls, and financial procedures.
- Participate in special projects and other duties as assigned.
If you would like more information about this position, please contact Human Resources at 705-728-6789 ext. 2113 during regular business hours.
To apply, please submit your resume and a cover letter outlining your qualifications by clicking Apply Now below to email your application. Please reference the job title in the subject line.
