Title: Senior Credit Analyst Location: Schaumburg, Illinois, 60173, United States Department: Finance Job Description: Begin your Composites One career today! Position Overview: The Senior Credit Analyst manages a portfolio of customer accounts, partnering with Sales and Operations to optimize accounts receivable (AR) performance while balancing risk and customer experience. This role is responsible for monitoring key AR metrics—including DSO, ADTP, past due aging, and bad debt—through proactive collections, credit underwriting, and data-driven decisioning. The Senior Credit Analyst evaluates customer financial health using internal and external data sources and recommends credit limits, terms, and risk classifications. This position serves as an escalation point for complex account issues and plays a key role in improving credit policies, processes, and overall portfolio performance. Key Responsibilities Credit Risk & Underwriting - Evaluate credit risk for new and existing customers using financial statements, D&B, trade references, and industry data - Recommend credit limits, payment terms, and risk classifications within authority guidelines - Analyze financials and behavioral data to reduce exposure and minimize bad debt - Review and approve credit requests; escalate high-risk decisions with supporting analysis - Assess non-standard payment terms (e.g., Net 60) and complete credit scorecards with Sales - Structure payment plans aligned with risk level and customer relationship Accounts Receivable & Collections - Manage AR aging, DSO, ADTP, and delinquency trends across assigned portfolio - Drive proactive collections through customer outreach and follow-up - Resolve payment issues including short pays, disputes, deductions, and returned payments - Provide documentation (invoices, PODs, statements) to support collections - Identify at-risk accounts and recommend corrective actions - Report portfolio risk, trends, and collection performance to leadership Portfolio Management & Business Partnership - Serve as primary credit contact for Sales, Operations, and Customer Service - Partner with Sales to balance revenue growth with credit risk management - Participate in regular reviews of high-risk or high-value accounts - Execute order hold/release decisions per credit policy - Resolve order issues in coordination with internal teams (Sales, CSR, CAC) - Escalate complex account issues to Credit leadership as needed Process Improvement & Leadership Support - Process account adjustments, credits, and refunds accurately and timely - Support onboarding and training of Credit team members - Act as subject matter resource for credit and collections processes - Conduct periodic portfolio reviews and identify risk mitigation opportunities - Support continuous improvement of credit policies, workflows, and controls - Identify and drive process improvements across AR and collections functions Required Experience: - 5+ years of credit and collections experience (credit analysis, AR management, delinquency resolution) - Strong understanding of accounting, finance, and credit principles - Experience analyzing financial statements and assessing credit risk - Experience working with ERP systems and credit tools Technical Skills: - Microsoft 365 (Excel, Word, Outlook) proficiency required - Experience with credit platforms (D&B, CreditSafe, Experian, or similar) - ERP experience required; SAP S/4HANA a plus Education & Certifications - Bachelor’s degree in Finance, Accounting, Business Administration, or related field preferred (or equivalent experience) - NACM certifications (CBA, CBF, CCE) a plus Key Skills - Credit risk analysis & underwriting - Accounts receivable & collections management - Financial statement analysis - DSO / ADTP / AR performance management - Customer relationship management - Negotiation & dispute resolution - Cross-functional collaboration (Sales, Operations, Finance) - Problem-solving and escalation management - Strong communication and attention to detail - Ability to manage multiple priorities in a fast-paced environment Work Location / Schedule - Hybrid role based out of our corporate office in Schaumburg, IL. - Team members work onsite three days per week, including Tuesday and Thursday, plus a third in-office day that is typically Wednesday but may vary based on business needs. Remote work is available on the remaining two days each week. Pre-Employment Requirement: - Employment offers are contingent upon successful completion of a drug screen and background check. This requirement is especially critical for safety-sensitive roles. The annual base salary range for this position is $80,000 - $100,000. The actual pay will be determined based on factors such as location, experience, skills, and qualifications. In addition to the base salary, employees may be eligible for discretionary bonuses and a comprehensive benefits package. Discover a Fulfilling Career: At Composites One, our Team Members are the cornerstone of our success. Each role is essential in helping us provide exceptional service to our Customers. We cultivate a culture of empowerment and opportunity, fostering both personal and professional growth. We believe in driving success and appreciating achievement. Our Team Members are eligible for annual bonuses and profit sharing because when the company thrives, we all benefit. Join us and be part of a Team where your hard work and dedication are valued, and together, we achieve great things. Respect, Teamwork, and Communication are Woven into our Core Values: Our guiding principle of Respect, Teamwork, and Communication embodies the spirit of our Core Values. We uphold these principles every day as we strive to make a positive impact for our Customers, our Team, and the world around us. Benefits: Explore our comprehensive health, retirement, wellness, and professional growth programs in detail here. Commitment to Diversity, Equity, and Inclusion At Composites One, all qualified applicants are considered for employment without regard to race, color, religion, sex, national origin, age, marital status, sexual orientation, gender identity, veteran status, disability, or other protected classification as defined by applicable law and regulation. ADA Accommodations Accommodations are available for applicants with disabilities in all phases of the application and employment process. To request accommodation please contact the ADA Coordinator by email at ADACoordinator@compositesone.com.

• Create a friendly and professional relationship with clients; • Align expectations with the clients in your portfolio, identify opportunities, and demonstrate results (QBR); • Identify and create business and expansion opportunities; • Be responsible for client strategy and servicing, aiming to achieve a high NPS (and managing related follow-ups). Therefore, it is important to ensure excellent service and continuously improve your knowledge during interactions to deliver maximum value to clients; • Develop strategic initiatives to drive engagement across the client portfolio under your responsibility; • Build a solid relationship with each client and work to keep these contracts healthy and stable, opening possibilities for expansion; • Monitor, address, and reverse churn; • Retain clients through a friendly and productive relationship;

• Build a friendly and professional relationship with clients; • Align expectations with clients in your portfolio, identify opportunities, and demonstrate results (QBR); • Identify and create business and expansion opportunities; • Responsible for the strategy and support provided to clients, aiming to achieve a high NPS (and its follow-ups). Therefore, ensure excellent service and continuously improve your knowledge during interactions to deliver maximum value to clients; • Develop strategic actions to drive engagement across the client portfolio under your responsibility; • Build a strong relationship with each client and work to maintain stable contract health, creating opportunities for expansion; • Monitor, address, and reverse churn; • Increase client loyalty through a friendly and productive relationship;

• Análise Transacional (Cash In & Cash Out): Monitorar e analisar fluxos transacionais de Pix em tempo real; • Detecção Qualificada: Detectar desvios comportamentais nos alertas de transações Pix em tempo hábil, garantindo a integridade da experiência do cliente legítimo e minimizando perdas financeiras; • Análise de Dados e Padrões: Identificar, mapear e documentar novos padrões de atividades fraudulentas; • Melhoria Contínua: Auxiliar ativamente na criação, teste e refinamento de regras de monitoramento, métricas e fluxos de detecção a fraudes; • Validação de Negócios: Analisar informações sistêmicas e realizar pesquisas avançadas na web (OSINT) para validação da atividade e consistência do cliente, mitigando riscos; • Foco em Performance: Alcançar as metas estabelecidas de produtividade diária e semanal (SLA), mantendo o rigor técnico e o nível de qualidade nas entregas; • Monitoramento de Ambiente: Atentar-se a possíveis instabilidades ou anomalias em sistemas internos e parceiros que possam impactar a operação.