Credit Analyst

Headquartered in Louisville, KY, Mercer Transportation is consistently ranked among the top carriers in the U.S. For over 40 years, we’ve built our reputation as one of the nation’s leading owner-operator companies by fostering a family-oriented culture rooted in honesty, professional freedom, and respect.

We’re seeking a Credit Analyst who thrives in a detail-oriented, analytical environment. This role focuses on evaluating new and existing customers to determine creditworthiness, establishing appropriate credit limits, and maintaining accurate credit records. Success in this role requires strong financial analysis skills, sound judgment, and the ability to communicate effectively with both internal teams and external partners.

As a key member of the Credit Department, you’ll work closely with Agents, Accounts Receivable, and other internal teams to assess financial risk, protect company assets, and support sound credit decisions. This role offers the opportunity to build expertise in credit analysis while contributing to Mercer’s continued growth and financial stability.

This position is onsite Monday – Friday, 8:00 AM to 5:00 PM.

What’s In It For You

Comprehensive Health Coverage – Mercer contributes over $7,500/year toward your health insurance

Wellness Incentives – Qualify for our Wellness Rate and pay as little as $0/month for employee-only coverage

Earn Extra Rewards – Receive up to $300/year in gift cards through wellness initiatives

Generous Time Off – Paid Time Off plus company-paid holidays

Company-Paid Protection – Life Insurance and Long-Term Disability included at no cost

Optional Benefits – Dental, Vision, Flexible Spending Accounts, and Short-Term Disability

Secure Your Future – 401(k) with company match

Professional Growth – Opportunities to expand your knowledge in credit analysis, financial review, and risk management

What You’ll Do

Review and analyze new credit applications to determine customer creditworthiness in accordance with Mercer’s credit policies

Conduct investigations on new and inactive customers using credit tools, trade reports, and reference checks

Identify customer legal structures and link accounts to appropriate coverage within the company’s trade insurer database

Analyze financial statements to support credit decisions and higher credit limit requests when trade data is insufficient

Contact bank and trade references as needed to support credit evaluations

Establish and adjust credit limits based on financial data, trade insurance coverage, and risk analysis

Maintain accurate credit files and documentation for assigned accounts

Collaborate with Agents and Accounts Receivable to address account concerns and resolve past-due balances when appropriate

Communicate professionally with customers and internal stakeholders to support effective credit decisions

Who You Are

Analytical and detail-oriented with strong problem-solving skills

Comfortable reviewing financial information and making sound credit decisions

Strong communicator with the ability to work effectively with internal teams and external partners

Organized and able to manage multiple accounts and priorities simultaneously

Professional and diplomatic when handling sensitive financial matters

Proficient with Windows-based systems and standard office software

Qualifications

Associate’s degree required; Bachelor’s degree in Finance, Accounting, or Business Administration preferred

Minimum of two years’ experience in credit analysis, credit processing, or collections

Working knowledge of general accounting principles and financial statement analysis

Strong written, verbal, and interpersonal communication skills

Demonstrated ability to make sound decisions and resolve issues efficiently

May be subject to the following screening requirements: Motor Vehicle, Drug Screen, Criminal Background Check.

Why Mercer

At Mercer, you’ll be part of a collaborative, people-first team where relationships matter and performance drives opportunity. We invest in training, value open communication, and support growth for individuals who are willing to learn, adapt, and take ownership of their success.