Credit Risk Analyst

Ewing Outdoor Supply

3441 E Harbour Dr

Phoenix AZ 85034

Credit Risk Analyst | Role Description

CLASSIFICATION: Exempt (Administrative)

TRAVEL REQUIREMENTS: Less than 10% SUMMARY:

**Pay Rate $65k-75k DOE**

The Credit Risk Analyst is responsible for overseeing the entire Mechanics Bond and Lien process to ensure we are meeting timelines. This position will minimize bad debt by staying informed and maintaining contact with customers, while identifying customers and jobs that have potential of becoming delinquent. Based on established risk assessment guidelines, the analyst supports the onboarding of new customers by determining appropriate credit limits, terms, and approval conditions. The Credit Risk Analyst will report to the Senior Credit & Collection Manager.

The job performance of the Credit Risk Analyst will be evaluated based upon their effectiveness in executing the duties and responsibilities below.

Requirements

Business Development/Operations

• Receive, review and process credit applications from customers or relationship officers

• Prepare, file, track, and release mechanics’ liens, bond claims, and related notices in accordance with applicable laws and deadlines

• Manage surety bonds, including bid bonds, performance bonds, and payment bonds

• Review contracts and project documentation to identify bond and lien requirements

• Monitor lien waivers and ensure proper execution and compliance

• Coordinate with legal counsel, project managers, accounting, and external parties to resolve lien or bond-related issues

• Maintain accurate records and documentation for all bonds, liens, and releases

• Ensure compliance with state and federal lien laws and bonding regulations

• Respond to bond and lien inquiries from internal and external stakeholders

• Assist with audits, disputes, and claims related to bonds and liens

• Generate reports on bond and lien status for management review

• Overseeing day to day operations of the entire bond and lien process

• Communication with credit staff, field staff and customers

• Reviews and authorizes lien waivers, distributes accordingly to owners, GC’s, etc.

• Monitors and maintains all job line transactions utilizing Levelset system reports

• Responds to lien/bond inquiries via email/phone

• Verification of job lines on customer accounts utilizing available technology and search strategies

• Job Account maintenance: work closely with credit reps regarding noticeable jobs and address any issues

• Facilitate solutions for customer discrepancies

• Negotiate with Surety, General Contractors and possibly owner

• Support AR & Credit in best practices, investigations, damage claims, price errors, check reconciliation, billing errors, service charges and research

• Gauging customer credit risk and business opportunity

• Dealing with sensitive issues involving key accounts

• Improving asset protection

• Verify customer information, documentation, and credit history

• Ensure applications comply with internal credit policies and regulatory standards

• Input and maintain accurate customer and credit data in credit systems

• Identify missing or inconsistent information and follow up with relevant parties

• Coordinate with credit analysts, sales teams, and risk units for approvals

• Track application status and ensure timely processing and reporting

• Maintain proper records and documentation for audit and compliance purposes

• Other duties as assigned

Leadership & Communication

• Conduct yourself with professionalism in all communication with fellow employees, customers, vendors, and management.

• Attend and participate in company meetings.

• Read and contribute to Company communications, including (but not limited to) the Branch Briefs, President’s Messages, regional newsletters, etc.

• Champion Ewing culture and commitment throughout all business activities.

• Collaborate effectively with the team.

Professional Development

• Actively participate in continual growth by completing goals on their Individual Development Plans (IDPs).

• Participate in regular performance reviews

• Continually update your personal and professional knowledge, skills, and abilities by participating in ongoing educational opportunities as determined in collaboration with the ---(manager or supervisor role)

Competencies

• Strong communication skills - Able to articulate and express ideas effectively using written and verbal communication skills along with collaboration and teamwork across the department.

• Problem solving skills – be able to analyze issues that occur and correct them in real time

• Strategic thinking – Demonstrates ability to implement new technologies effectively and work in compliance with all procedures, rules, and regulations

• Detail oriented – demonstrates quality and effectiveness in work documentation and organization.

• Self-motivated – demonstrates the ability to complete tasks with little supervision and able to grasp new concepts quickly

Skills & Qualifications

• Experience working with ERP Systems

• Minimum 2 years commercial Bond and Lien management experience

• Strong PC skills - word processing/spreadsheets

• Microsoft Office (Excel, Word, and Outlook

Benefits

• Health Care Plan (Medical, Dental & Vision)
• Retirement Plan (401k, IRA)
• Life Insurance (Basic, Voluntary & AD&D)
• Paid Time Off (Vacation, Sick & Public Holidays)
• Family Leave (Maternity, Paternity)
• Short Term & Long Term Disability
• Training & Development
• Wellness Resources
• Profit Sharing

We have the 4 C’s that make your job a career!

Career Development- To invest in your personal and professional growth, we offer a variety of training resources.

Compensation- We offer competitive market wages, great benefits, PTO & bonus potential!

Culture- We are family-owned, which gives us a unique culture, and we have fun with everything we do!

Care- We care about all our employees because we would not be where we are now (creeping up on 100 years) if it weren’t for you!