We are seeking a detail-oriented Credit & Collections Representative to manage a portfolio of customer accounts throughout the credit lifecycle, from initial onboarding through payment collection. This position requires the ability to evaluate creditworthiness, execute timely collection of outstanding receivables, and collaborate with sales and operations teams to resolve disputes while maintaining business continuity. This role demands strong relationship management capabilities combined with professional assertiveness in collections activities. **Primary Responsibilities** Manage and monitor customer account portfolios, tracking aging schedules and prioritizing collection outreach to optimize Days Sales Outstanding (DSO) and minimize past-due balances Execute outbound collection activities, including telephone communications and written correspondence, to secure payment on overdue invoices Conduct credit evaluations for new customer applications utilizing established scoring frameworks, including credit report analysis and reference verification, to determine appropriate credit limits and payment terms Assess existing customer accounts for credit limit modifications and term extensions, applying standardized internal scoring criteria Investigate and resolve billing discrepancies, short payments, and deductions through coordination with sales representatives, operations personnel, and customers Process and reconcile cash applications, investigate unapplied or misapplied payments, and maintain account accuracy Implement credit holds on accounts and escalate severely delinquent accounts for third-party collections or legal proceedings in accordance with company policy Document all collection activities and customer communications with comprehensive, accurate records Generate aging reports and exposure analyses for management review and identify emerging credit risks