Credit Advisor

Credit Advisor

Finance oversees the accounting, tax, financial plans and policies of the organization, establishes and maintains fiscal controls, prepares and interprets financial reports, oversees financial systems and safeguards the organization's assets. Credit is responsible for managing Cardinal Health's trade and note receivables including performing credit underwriting, establishing bad debt reserves, managing customer relationships, collaborating with the sales and collections teams, managing credit risk for the company, and administering credit policies and standards.

The Credit Advisor provides operational and analytical support for customer credit activities across Cardinal Health's trade accounts receivable portfolio, supporting Acute Health Systems, Nuclear Pharmacy, and other healthcare businesses. This role supports accurate credit setup, ongoing maintenance of credit limits and payment terms, portfolio exposure monitoring, documentation, and consistent application of established credit policies and procedures. Escalates complex or high-risk matters to the Credit Manager for review and final decision.

Responsibilities include:

• Support credit origination by reviewing financial information, credit analyses, payment history, and supporting documentation prepared by Credit Analysts.
• Assist with accurate setup and ongoing maintenance of customer credit limits, payment terms, risk indicators, and credit controls within accounts receivable systems.
• Monitor assigned portfolios for exposure levels, aging trends, DSO, utilization, and payment behavior; identify early indicators of increased risk.
• Review account utilization and payment trends to identify routine credit adjustments; prepare recommendations and documentation for approval.
• Prepare account summaries and supporting materials for escalation related to elevated risk, bad debt considerations, or special account status.
• Assist with tracking bankruptcy, insolvency, legally restricted, and other special-status accounts, ensuring appropriate credit controls are applied.
• Partner with Collections, Sales, Customer Service, and Finance to support credit inquiries, onboarding, account updates, and issue resolution.
• Review and validate credit-related reports, exposure summaries, and system data for accuracy and completeness.
• Support audits, compliance reviews, internal reporting, and ongoing credit process, system, and reporting improvements, including SAP-related initiatives.
• Executes credit support activities accurately and consistently in alignment with established policies and procedures.
• Provides reliable operational insight and documentation to support credit decision-making.
• Identifies routine issues and escalates higher-risk or complex matters with clear, well-supported information.
• Contributes to team efficiency, data integrity, and process reliability.

Qualifications include:

• Bachelor's degree in related field, or equivalent work experience, preferred.
• 4-6 years of experience in trade credit support, credit analysis, accounts receivable operations, or related risk management functions, preferred.
• Experience in healthcare distribution, manufacturing, supply chain, or other regulated B2B environments, preferred.
• Ability to interpret financial summaries, credit reports, and payment behavior trends prepared by others.
• Microsoft Office Suite products.
• Strong proficiency in Microsoft Excel for exposure monitoring, reporting, and documentation.
• Ability to adapt to evolving systems, tools, and reporting environments.
• Strong attention to detail, organizational skills, and commitment to data accuracy.
• Effective written and verbal communication skills.
• Professional, collaborative, and process-oriented approach.
• Experience with ERP or accounts receivable systems; SAP ECC (FI-AR / Credit Management) and/or SAP S/4HANA Credit Management, preferred.
• Exposure to dashboarding or reporting tools (e.g., Power BI, Tableau) and basic data validation tools (e.g., SQL), preferred.
• Solid understanding of trade credit and order-to-cash (OTC) processes, including credit limits, payment terms, aging, exposure, and DSO, preferred.
• Exposure to compliance, audit, or contract-related documentation affecting credit or accounts receivable, preferred.
• Experience monitoring global credit exposure, aging, utilization, and payment trends, preferred.

What is expected of you and others at this level includes:

• Applies comprehensive knowledge and a thorough understanding of concepts, principles, and technical capabilities to perform varied tasks and projects.
• May contribute to the development of policies and procedures.
• Works on complex projects of large scope.
• Develops technical solutions to a wide range of difficult problems.
• Solutions are innovative and consistent with organization objectives.
• Completes work; independently receives general guidance on new projects.
• Work reviewed for purpose of meeting objectives.
• May act as a mentor to less experienced colleagues.

Anticipated salary range: $67,500-$96,300

Benefits include:

• Medical, dental and vision coverage
• Paid time off plan
• Health savings account (HSA)
• 401k savings plan
• Access to wages before pay day with myFlexPay
• Flexible spending accounts (FSAs)
• Short- and long-term disability coverage
• Work-Life resources
• Paid parental leave
• Healthy lifestyle programs

Application window anticipated to close: 03/22/2026 if interested in opportunity, please submit application as soon as possible. The salary range listed is an estimate. Pay at Cardinal Health is determined by multiple factors including, but not limited to, a candidate's geographical location, relevant education, experience and skills and an evaluation of internal pay equity.

Cardinal Health supports an inclusive workplace that values diversity of thought, experience and background. We celebrate the power of our differences to create better solutions for our customers by ensuring employees can be their authentic selves each day. Cardinal Health is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, ancestry, age, physical or mental disability, sex, sexual orientation, gender identity/expression, pregnancy, veteran status, marital status, creed, status with regard to public assistance, genetic status or any other status protected by federal, state or local law.