Credit Analyst — Construction Receivables

About BlackOx Capital

BlackOx Capital is a cash acceleration firm serving companies in the construction supply ecosystem. We help construction-related businesses improve payment velocity, reduce aging receivables, strengthen account follow-up, and recover cash tied up in slow-paying invoices.

We are not a factoring company, lender, or traditional collection agency. We work as an extension of our clients' finance and accounting teams, helping them understand where cash is stuck, which invoices require priority action, and how to move receivables forward without damaging customer relationships.

Our clients operate in industries where delayed payment is common, including construction suppliers, contractors, distributors, equipment providers, and related businesses. Building material supplier experience is highly valued, but not required.

Role Summary

The Credit Analyst — Construction Receivables will evaluate customer payment behavior, aging reports, invoice risk, credit exposure, and receivables performance for construction-related accounts. This role is responsible for helping identify which invoices, customers, and balances require priority attention.

The ideal candidate has experience reviewing AR aging reports, customer credit history, payment trends, account notes, disputes, purchase orders, and construction-related billing patterns. This person must be comfortable working with accounting data, communicating with internal teams, and helping support informed recovery strategies.

This role is analytical, detail-oriented, and highly important to BlackOx Capital's cash acceleration model.

Key Responsibilities

• Analyze accounts receivable aging reports for construction-related clients.
• Review customer balances, invoice age, payment history, and credit exposure.
• Identify accounts that require immediate attention based on risk, age, amount, customer behavior, or project-related issues.
• Support prioritization of recovery activity across active client portfolios.
• Evaluate payment trends and help determine which accounts are likely to pay, delay, dispute, or require escalation.
• Review customer account notes, invoice documents, statements, purchase orders, and payment commitments.
• Assist in identifying disputed balances, missing documentation, billing inconsistencies, and account-level risk.
• Prepare internal credit and receivables summaries for leadership and client-facing teams.
• Support weekly reporting on collection activity, payment progress, risk accounts, and recovery opportunities.
• Work with AR Specialists, Cash Acceleration Specialists, and Operations
• Coordinators to ensure account activity is properly documented.
• Help identify customers with recurring payment delays, partial payment patterns, or chronic aging issues.
• Support the development of account prioritization models and receivables risk scoring.
• Assist in building dashboards, tracking tools, and reporting systems related to payment velocity and aging performance.
• Review construction-specific payment patterns, including project delays, contractor payment cycles, retention, change orders, lien-related timing, and supplier payment practices.
• Maintain accurate records in CRM, accounting, and reporting systems.
• Protect client confidentiality and handle financial information with discretion.

Required Qualifications

• Minimum 2 years of experience in credit analysis, accounts receivable, collections, accounting support, finance operations, or a related role.
• Experience working with construction-related companies, contractors, subcontractors, suppliers, distributors, or project-based billing.
• Strong understanding of accounts receivable aging, invoice tracking, customer payment behavior, and credit risk.
• Ability to read and interpret aging reports, customer ledgers, statements, invoices, and payment records.
• Strong Excel or Google Sheets skills.
• Strong attention to detail and ability to identify patterns in financial data.
• Ability to communicate clearly with accounting, operations, and client-facing teams.
• Comfortable working in a fast-paced, high-accountability environment.
• Strong organizational skills and ability to manage multiple accounts or portfolios at one time.
• Professional judgment when handling sensitive financial and client information.

Preferred Qualifications

• Experience with building material suppliers is strongly preferred but not required.
• Experience with construction receivables, contractor payment behavior, lien deadlines, pay applications, retainage, or project-based payment terms.
• Experience using accounting systems, ERP platforms, CRMs, or collection management tools.
• Background in commercial credit, supplier credit, construction credit, or trade credit.
• Familiarity with credit limits, payment terms, customer risk profiles, and account escalation procedures.
• Experience preparing reports for CFOs, controllers, credit managers, or accounting leadership.

Core Competencies

• Analytical thinking.
• Construction receivables awareness.
• Strong financial documentation skills.
• Attention to detail.
• Clear communication.
• Professional judgment.
• Confidentiality.
• Problem-solving.
• Prioritization.
• Team collaboration.

Work Environment

This is a hybrid role requiring 2–3 days per week in office. The role involves regular work with financial records, client documents, aging reports, internal tracking systems, and cross-functional teams.

The Credit Analyst must be comfortable working with deadlines, high-value account data, and sensitive client information.

Benefits

• BlackOx Capital offers market-common benefits consistent with professional roles in the Seattle area, including:
• Medical, dental, and vision insurance.
• Flexible PTO.
• Paid holidays.
• Hybrid work schedule. 401(k) plan or retirement benefit access.
• Laptop and work tools.
• Professional development support.
• Twice-yearly performance bonus eligibility.
• Phone or technology stipend where applicable.

Equal Opportunity Statement

BlackOx Capital is an equal opportunity employer. We value professionalism, integrity, accountability, and respectful communication. We encourage qualified candidates with construction, accounting, finance, credit, AR, and supplier experience to apply.