Credit Analyst

Overview

Triple-S Steel is seeking an experienced Credit Analyst to join our team in Houston, TX. This role is responsible for evaluating customer creditworthiness, assessing financial risk, establishing appropriate credit limits, and managing collection activities while supporting the company's growth objectives.

This position requires strong communication, analytical, and critical-thinking skills, along with the ability to effectively partner with Sales, Operations, and Finance to support sound credit decisions while balancing business objectives and risk management.

About Us

Triple‑S Steel is a family-owned steel service center with a growing national and global presence. For more than 65 years, we’ve built our reputation on strong relationships, dependable service, and a commitment to the people and communities we serve.

We offer the strength and stability of an established industry leader while maintaining a collaborative and supportive work environment where colleagues can grow, make an impact, and build long-term careers.

We offer a comprehensive benefits package, including:

• Medical, dental, and vision coverage
• 401(k) with company match
• Paid time off (PTO) and paid holidays
• Paid parental leave
• Tuition reimbursement
• Company-paid life and disability insurance
• HSA/FSA options and Employee Assistance Program (EAP)
• Profit-sharing bonus eligibility

Responsibilities

• Maintain credit/collections records in ERP system
• Validate and approve sales tax exemptions
• Analyze credit and financial information
• Assign credit limits within a set authority matrix
• Maintain sound Credit policy while respecting Sales goals
• Multiple reviews of daily orders and approvals
• Communicate credit holds to Sales and Customers
• Occasional customer visits
• Heavy telephone and written communications
• Enforce terms of sale and take collection action as needed
• Deal with sensitive issues involving key accounts
• Resolve disputes and deductions
• Prepare documentation to perfect bond claims and lien rights
• Make recommendations to credit manager
• Prepare AR portfolio risk analysis report
• Participate in credit industry group meetings
• Efficiently manage multiple priorities and deadlines

Qualifications

Required Experience

• Minimum 5 years of commercial credit and collections experience.
• Experience working in a construction-related industry is required, including steel, concrete, HVAC, building materials, roofing, industrial distribution, construction supply, or similar industries serving contractors and construction companies.
• Experience evaluating customer creditworthiness and making credit recommendations.
• Strong analytical and problem-solving skills.
• Proficiency with Microsoft Office applications, particularly Excel and Outlook.
• Excellent written, verbal, and interpersonal communication skills.

Preferred Experience

• Bachelor's degree in Finance, Accounting, Business, or a related field.
• Experience analyzing financial statements, including calculation and evaluation of key financial ratios and performance indicators.
• Knowledge of construction lien laws, bond claims, creditor rights, and other credit protection tools.
• Experience managing accounts receivable portfolios and commercial collections.
• Experience working within an ERP system.

Knowledge, Skills & Abilities

• Ability to analyze financial statements and identify credit-related risks and trends.
• Strong understanding of commercial credit principles and collection practices.
• Ability to balance sound credit decisions with business and sales objectives.
• Strong negotiation, conflict resolution, and customer relationship management skills.
• Ability to communicate effectively with customers, sales teams, management, and external partners.
• Strong organizational skills and attention to detail.
• Ability to prioritize multiple tasks and meet deadlines.
• Self-motivated, adaptable, and capable of working independently.
• Strong critical-thinking and decision-making skills.

Additional Details

• Work location: Intsel Steel - 11310 West Little York Houston, TX 77041
• This position is 100% on-site.
• Schedule: Monday - Friday 8:00 AM - 5:00 PM
• FLSA Classification: Exempt