Credit Analyst
Job Details
Belle Vernon, PA - Belle Vernon, PA
Full Time
4 Year Degree


Guttman Energy, Inc. is a diversified energy marketer that serves the refined petroleum market. Operating as Guttman Oil Company since 1931, the company operates in 20 states east of the Mississippi, serving the commercial, wholesale, and retail marketplace. Along with Source One Transportation, a provider of petroleum delivery services, and Guttman Realty, Guttman Energy forms the core of the Guttman Group. Guttman Energy will generate more than $2.5 Billion in revenue in 2022 and is one of the largest privately-owned companies in the United States.


The Credit Analyst is responsible for performing all analysis and research to establish and maintain customer credit limits, maintaining acceptable levels of delinquency and collections for assigned Accounts Receivable portfolio and preparing various financial analyses and metrics related to the Company Credit function.  This position reports to the Credit Manager.


  • Performs spreadsheet analysis of customer financial statements to evaluate customer credit limits.  Ensures timely receipt and analysis of customer statements. 
  • Through all required research and analysis, interprets, recommends, and sets customer credit limits as well as terms of sale. 
  • Tracks financial & payment performance of AR portfolio assigned.
  • Maintains delinquency & bad debt levels to acceptable standards.  Responsible for collection of delinquent AR balances and dispute resolutions. 
  • Works closely with the Sales Team as well as customers to obtain additional security to limit AR & bad debt exposure (i.e., L/C’s, personal, parental & cross corporate guarantees.)
  • Responsible for periodic and timely completion of various analyses and metrics related to the Credit function.
  • Ensures all new customers establish electronic funds transfer as acceptable method of payment and convert current hard copy check paying customers to EFT.
  • Daily interaction with multiple areas of the business regarding order to cash issues. 
  • Supports & enforces financial / credit policies of the company.
  • Perform special projects and ad hoc analyses as requested by the Credit Manager.
  • Pursues continuous improvement of department processes & procedures.
  • Work as part of a team environment in responding to customer inquiries and resolving customer service issues, collaborating with various internal departments as required.
  • Provide excellent service by communicating clearly and professionally to customers, colleagues, and management.
  • Serve as backup to other Credit staff



  • Bachelor’s degree (B.A. or B.S.) from an accredited four-year college or university or equivalent work experience.
  • Two years’ experience preferred in credit or account receivables.
  • Ability to listen to others, express ideas both orally and in writing and provide relevant and timely information to clients, managers, etc.  
  • Prior experience working with security instruments & documents and knowledge of US Bankruptcy Code & processes.
  • Ability to work in a fast-paced environment and make timely, practical business decisions.
  • Strong analytical aptitude and attention to detail.  Demonstrated understanding of and ability to analyze financial statements. 
  • Demonstrated achievement in lowering AR delinquency & bad debts.
  • Excellent communication skills both verbally and written.


Guttman Energy, Guttman Realty and Source One (Guttman Group) is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, disability or any other legally protected status in recruiting, hiring, training, promotion or terms or condition of employment.