We are looking for a talented Credit Analyst to join our team specializing in Finance for our Distribution Business Unit in Nashville, TN.

In this role, you will make an impact in the following ways:

• Strengthen portfolio quality by preparing accurate, timely entity-level credit reports, plans, and forecasts that highlight risk trends and inform leadership decisions.
• Reduce credit risk exposure through deep-dive analysis of entity-level exposures, early-warning indicators, and proactive mitigation actions (e.g., limit adjustments, collateral, or payment plans).
• Elevate credit decisioning by performing rigorous credit-worthiness reviews on new and existing accounts in strict alignment with Corporate Credit Policy—protecting margins while enabling growth.
• Improve visibility and accountability by producing consolidated credit dashboards and ad hoc analyses that surface DSO, past-due trends, concentration risk, and root causes.
• Optimize working capital by managing local customer credit limits and terms, balancing risk with revenue opportunities, and driving on-time payments via targeted customer communications.
• Tighten AR execution by coordinating seamlessly with CBS/Shared Services to resolve disputes, accelerate collections, and maintain clean, reconciled ledgers.
• Ensure policy compliance and controls by embedding Corporate Credit Policies into daily processes, strengthening audit readiness, and reducing exceptions and write-offs.
• Drive strategic improvements by executing special projects (e.g., trade finance enablement, scorecard enhancements, automation) that streamline workflows and measurably improve credit KPIs.

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Cummins is an equal opportunity employer. Our policy is to provide equal employment opportunities to all qualified persons without regard to race, sex, color, disability, national origin, age, religion, union affiliation, sexual orientation, veteran status, citizenship, gender identity, or other status protected by law.

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To be successful in this role you will need the following:

• Financial acumen - Interpreting and applying understanding of key financial indicators to make better business decisions.
• Action oriented - Taking on new opportunities and tough challenges with a sense of urgency, high energy, and enthusiasm.
• Collaborates - Building partnerships and working collaboratively with others to meet shared objectives.
• Communicates effectively - Developing and delivering multi-mode communications that convey a clear understanding of the unique needs of different audiences.
• Demonstrates self-awareness - Using a combination of feedback and reflection to gain productive insight into personal strengths and weaknesses.
• Instills trust - Gaining the confidence and trust of others through honesty, integrity, and authenticity.
• Nimble learning - Actively learning through experimentation when tackling new problems, using both successes and failures as learning fodder.
• Optimizes work processes - Knowing the most effective and efficient processes to get things done, with a focus on continuous improvement.
• Resourcefulness - Securing and deploying resources effectively and efficiently.
• Situational adaptability - Adapting approach and demeanor in real time to match the shifting demands of different situations.
• Values differences - Recognizing the value that different perspectives and cultures bring to an organization.
• Credit Management - Assesses customer credit worthiness and risk to ensure that credit limits support sales strategies while maximizing accounts receivable collectability and minimizing bad debt balances; evaluates business opportunities to maximize sales without taking on undue balance sheet risks; analyzes customer payment performance to identify potential risks in order to optimize collection efficiency and minimize bad debts.
• Financial Analysis - Interprets financial data by analyzing trends, variances, opportunities and risks to provide insight to stakeholders regarding financial impact to drive business improvement; evaluates financial results against targets to communicate conclusions to all stakeholders; ensures integrity of financial data by investigating variances and determining corrective actions to resolve identified issues.

Education, Licenses, Certifications:

• College, university, or equivalent degree in Accounting, Finance, Economics or related subject required.
  

Experience:

• Minimal relevant work experience required.