Sun Gro Horticulture is one of the most prominent North American horticultural companies, employing over 800 staff and serving customers worldwide. Since its humble beginnings in 1929, it has become the leading supplier of soilless growing mixes to North America’s top 100 greenhouse and nursery growers, shipping over 70,000 truckloads of product annually. Sun Gro products are made to exacting standards and conform to high product quality and performance criteria.

Sun Gro Horticulture recognizes that its success is due to the strength of its employees. The primary goal of Sun Gro® is to promote individual employees’ sense of accomplishment and contribution so that employees enjoy their association with Sun Gro Horticulture. The Company invests in its employees so that they are the most knowledgeable in the industry, and undertakes great efforts to nurture loyalty to, and teamwork at, Sun Gro.

Job Summary
Key areas of responsibility include adherence to and management of internal control policies and procedures.

The Senior Credit Analyst is responsible for evaluating the creditworthiness of new and existing customers, establishing and managing credit limits, and minimizing financial risk while supporting revenue growth. This role partners closely with Sales and Finance to ensure prudent credit decisions aligned with company policies and business objectives.

The successful candidate will possess the ability to coordinate between multiple departments and locations and will develop a solid understanding of processes.

The Senior Credit Analyst will be an integral member of the Accounts Receivable/Credit Team with a concentration on assisting the Sr Manager, AR & Credit. Upbeat and positive attitude, organized, attention to detail and professional demeanor are necessary.

Compensation
$70,000-$75,000

Fully Onsite role in Mississauga

Benefits

Health Insurance (includes telemedicine, virtual health, FSA, HCSA & other benefits)

Dental Insurance

Vision Insurance

Life Insurance

Health Spending Account





Employee Support and Mental Wellness

Short-term disability

401k Match

Paid vacation

Floating days

Employee Assistance Program

Employee Engagement Events

Awards and Recognition

Tuition Reimbursement

Service Awards

Employee Perks & Discounts

Job Responsibilities

Analyze customer financial statements, credit reports, payment history, and industry data to assess

credit risk

Approve, modify, or recommend credit limits within assigned authority levels

Monitor customer accounts and proactively identify risk trends or deterioration in credit quality

Review aging reports, support collections strategies, and recommend account escalations or credit

holds

Perform pre-season and in-season credit reviews to support peak selling periods.

Prepare clear, well-documented credit recommendations and risk assessments for management

review

Ensure compliance with internal credit policies and external regulatory requirements

Partner closely with Sales to support account growth while protecting company assets

Support month-end and quarter-end reporting related to credit exposure and bad debt

Participate in process improvements, automation initiatives, and policy updates

Qualifications

Solid understanding of financial statement analysis and cash flow evaluation

Experience working with credit bureaus, D&B;, CreditSafe, or similar tools

Proficiency in ERP systems (Business Central) and Excel

Strong analytical, decision-making, and problem-solving skills

Excellent written and verbal communication skills

Ability to work independently and manage multiple priorities in a fast-paced environment

EDUCATION AND EXPERIENCE

Degree in Finance, Accounting, Business, or a related field (CPA) preferred

2-5+ years of progressive experience in credit analysis, credit risk, or commercial credit preferred

ADDITIONAL REQUIREMENTS

Risk assessment in a season industry

Attention to detail and policy discipline

Business partnership mindset

Negotiation and conflict resolution

Ability to work under tight seasonal timeline

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📌 Senior Credit Analyst (Ontario)
🏢 Sun Gro Horticulture
📍 Ontario