Cummins Inc.

Credit Analyst

Cummins Inc.

full-time

Posted on:

Location Type: Remote

Location: Tennessee • United States

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Salary

💰 $58,400 - $87,600 per year

About the role

  • Strengthen portfolio quality by preparing accurate, timely entity-level credit reports, plans, and forecasts that highlight risk trends and inform leadership decisions.
  • Reduce credit risk exposure through deep-dive analysis of entity-level exposures, early-warning indicators, and proactive mitigation actions (e.g., limit adjustments, collateral, or payment plans).
  • Elevate credit decisioning by performing rigorous credit-worthiness reviews on new and existing accounts in strict alignment with Corporate Credit Policy—protecting margins while enabling growth.
  • Improve visibility and accountability by producing consolidated credit dashboards and ad hoc analyses that surface DSO, past-due trends, concentration risk, and root causes.
  • Optimize working capital by managing local customer credit limits and terms, balancing risk with revenue opportunities, and driving on-time payments via targeted customer communications.
  • Tighten AR execution by coordinating seamlessly with CBS/Shared Services to resolve disputes, accelerate collections, and maintain clean, reconciled ledgers.
  • Ensure policy compliance and controls by embedding Corporate Credit Policies into daily processes, strengthening audit readiness, and reducing exceptions and write-offs.
  • Drive strategic improvements by executing special projects (e.g., trade finance enablement, scorecard enhancements, automation) that streamline workflows and measurably improve credit KPIs.

Requirements

  • Degree preferred
  • Business to business (B2B)
  • Knowledge in Business law and Credit law
  • Demonstrated participation in the profession
  • Excel knowledge in Vlookup & Pivot table creation
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
credit analysisrisk assessmentcredit decisioningfinancial forecastingdata analysisworking capital managementaccounts receivable managementpolicy complianceaudit readinessproject management
Soft Skills
communicationleadershiporganizational skillsproblem-solvingstrategic thinkingcollaborationattention to detailaccountabilityproactive mindsetcustomer relationship management