Credit Development Analyst

Accelerate your career. Join the organization that's driving the world's technology and shape the future. Ingram Micro is a leading technology company for the global information technology ecosystem. With the ability to reach nearly 90% of the global population, we play a vital role in the worldwide IT sales channel, bringing products and services from technology manufacturers and cloud providers to business-to-business technology experts. Our market reach, diverse solutions and services portfolio, and digital platform Ingram Micro Xvantage™ set us apart. Learn more at www.ingrammicro.com Come join our team where you’ll make technology happen in surprising ways. Let’s shape tomorrow - it’ll be a fun journey! Why Join Ingram Micro? As a Credit Development Analyst, you'll gain hands-on experience in credit risk assessment, financial analysis, portfolio management, and customer relationship management. You'll serve as a trusted business partner to Sales and customers while supporting revenue growth and sound risk management practices. What You'll Gain • Exposure to a global technology leader and dynamic marketplace • Opportunities to build expertise in commercial credit, financial analysis, and risk management • Collaboration with Sales, Credit Operations, Finance, and customer-facing teams • Professional development and career growth opportunities • Experience leveraging technology, automation, and analytics to drive business decisions • The ability to directly influence customer success and business growth • A flexible hybrid work environment and inclusive culture that values innovation and collaboration Position Summary The Credit Development Analyst evaluates customer creditworthiness, analyzes financial risk, and manages a portfolio of customer accounts to support business growth while minimizing credit exposure. This role partners closely with Sales, customers, and internal stakeholders to make informed credit decisions, resolve account issues, and recommend solutions that balance customer needs with company risk objectives. The ideal candidate combines strong analytical abilities with business acumen, customer relationship skills, and the ability to make sound decisions in a fast-paced environment. Key Responsibilities • Analyze customer financial statements, credit reports, payment history, and business information to assess credit risk and creditworthiness • Evaluate, recommend, approve, modify, or revoke credit limits and terms within established guidelines • Manage a portfolio of customer accounts while monitoring risk exposure and portfolio performance • Partner with Sales teams to support revenue growth and customer retention initiatives • Investigate and resolve billing, account, payment, and credit-related issues that may impact collections or customer experience • Review financial trends, account performance metrics, and risk indicators to identify potential concerns and opportunities • Make recommendations regarding credit decisions, bad debt exposure, and account actions when necessary • Utilize credit agency resources, internal systems, and analytical tools to support decision-making • Build strong relationships with customers, sales teams, and cross-functional stakeholders • Ensure compliance with company policies, internal controls, and Sarbanes-Oxley (SOX) requirements • Identify opportunities to improve processes, reporting, automation, and operational efficiency • Maintain accurate account documentation and audit-ready records Required Qualifications • Associate degree and a minimum of 5 years of experience in credit, finance, accounting, banking, financial analysis, risk management, accounts receivable, collections, or a related business discipline; OR • High School Diploma or equivalent and a minimum of 8 years of relevant professional experience, including at least 4 years of experience in credit analysis, financial analysis, banking, collections, accounts receivable, lending, underwriting, or risk management • Experience evaluating financial information and making business or credit decisions • Strong analytical, critical thinking, and problem-solving skills • Experience managing customer accounts, portfolios, or financial relationships • Strong verbal and written communication skills • Proficiency with Microsoft Excel and business systems • Ability to prioritize multiple responsibilities and meet deadlines in a fast-paced environment • Strong organizational skills and attention to detail • Ability to build effective relationships with internal and external stakeholders Preferred Qualifications • Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field • Experience with commercial credit, lending, underwriting, financial services, or risk analysis • Experience supporting business-to-business (B2B) customers • Knowledge of financial statement analysis and credit evaluation methodologies • Experience within distribution, technology, financial services, manufacturing, or corporate credit environments • Experience using ERP, CRM, credit management, or financial systems • Experience with process improvement, automation, reporting, or data analysis initiatives • Negotiation, conflict resolution, and customer relationship management experience • Experience leading projects, training peers, or serving as a subject matter expert Our Commitment Ingram Micro is committed to creating an inclusive workplace where employees can develop their careers, contribute meaningful work, and bring their authentic selves to work. We believe diverse perspectives drive innovation and help us better serve our customers around the world. Let's shape tomorrow. The typical base pay range for this role across the U.S. is USD $49,500.00 - $79,200.00 per year. The ranges above reflect the potential annual base pay across the U.S. for all roles; the applicable base pay range will depend on the candidate’s primary work location, pay grade,