Credit Application Processor I

Here at Discount Tire, we celebrate the spirit of our people with extraordinary pride and enthusiasm. Our business has been growing for more than 60 years and now is the best time in our history to join us. We are opening more locations every year and we are always looking for qualified individuals to join us in our growth. We are a company that promotes from within, both in our retail and corporate operations.

The Credit Application Processor I is responsible for reviewing, screening, and processing incoming credit and cash applications to establish commercial charge accounts, with all application management and decisioning conducted through Salesforce CRM. Under direct supervision, this role evaluates applicant information, assigns credit limits within their authority based on established risk criteria, and approves or declines applications in a timely manner. It also includes creating and maintaining accurate customer master records in SAP, the system of record, to ensure data integrity and compliance with internal policies and regulatory requirements. Additional responsibilities include processing non-credit applications, reinstating pre-existing accounts, uploading new full-time employee accounts, and updating customer and employee records in accordance with the Master Data verification process. 

Essential Duties and Responsibilities:

• Review and process new credit and cash applications in a timely manner to ensure compliance with screening requirements
• Evaluate credit risk by researching trade line data, business demographics, and operational history to determine creditworthiness
• Approve or decline credit terms based on established risk criteria and company policies
• Create and update commercial accounts using verified application data
• Maintain customer master data, including entity changes, address updates, invoice preferences, and contact details
• Review and process non-credit applications and merge new accounts into the point-of-sale system
• Support credit limit reviews and adjustments by providing recommendations based on credit policies
• Communicate with fleet sales agents, customers, and trade references to gather information for credit decisions
• Escalate complex or high-risk issues to management as needed
• Respond to inquiries from internal and external stakeholders regarding accounts and credit decisions
• Monitor and process communications from shared AR mailboxes, including AR Update, General AR, and Credit Application mailboxes
• Update month-end reports with credit application outcomes for reconciliation purposes
• Perform other related duties as assigned to support the credit and accounts receivable functions  

Qualifications:

• One or more years office experience or related experience is required; Business Credit screening and/or application processing experience preferred.
• Experience with SAP or other accounting related software is required. SAP and Salesforce experience would be ideal.
• This position requires good verbal and written communication skills.
• Must demonstrate strong attention to detail. Basic level computer experience, including skills in Microsoft Word and Excel, is necessary.
• The ability to work successfully independently and within a team is necessary.
• The ability to work efficiently under pressure, accurately meet deadlines, present a professional demeanor is essential.
• Customer service skills, including the ability to manage and respond to different customer situations while maintaining a positive and friendly attitude is crucial. In addition, organizational and problem-solving skills, a can-do attitude, and the ability to adjust to changing requirements is mandatory for this role.
• Maintaining confidentiality, treating others with respect and upholding Company values are key attributes.

Educational Requirements:

This position requires a high school diploma or GED. College degree preferred.

Work Days:

Normal work days are Monday through Friday. Occasional Saturdays and Sundays may be necessary.

Work Hours:

Normal work hours are 8:00 a.m. to 5:00 p.m. Occasional overtime (more than forty hours per week) may be necessary.

Discount Tire provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local law.

#LI-Onsite

#LI-TA1