Credit Manager

About This Role

The Credit Manager oversees credit, collections, and accounts receivable operations, protecting company assets while supporting sales growth and optimizing return on receivables. This role manages daily credit and collection activities in alignment with company policy and assigned authority, balancing risk management with customer support to drive profitable growth and minimize exposure. The position is responsible for managing a portfolio of accounts receivable of up to $20M, requiring strong financial judgment and business partnership.

Responsibilities

• Evaluate and approve credit applications, limits, and account changes based on risk analysis
• Monitor customer balances and aging; take action on delinquent accounts
• Develop and execute effective collection strategies
• Review and manage credit limits and lien rights to protect company interests
• Resolve disputes in partnership with sales and customers
• Manage bad debt exposure, including recovery efforts and legal escalation when necessary
• Ensure compliance with applicable laws and regulations (e.g., UCC, FDCPA, ECOA, liens, bonds, Sarbanes-Oxley)
• Partner with sales teams through regular branch interaction and customer visits
• Structure credit solutions (e.g., joint check agreements) for project-based accounts
• Handle complex, high-risk, or exception accounts beyond standard authority
• Lead, coach, and develop credit team members

Requirements

• Bachelor’s degree in Finance or related field preferred
• Credit, Collections, or Accounts Receivable experience (construction industry preferred)
• Strong analytical and decision-making skills with sound business judgment
• Excellent communication and relationship-building abilities
• Ability to manage priorities and perform effectively in a fast-paced environment
• Leadership or team development experience preferred
• Sales process understanding
• Credit evaluation and portfolio management
• Financial Statement Analysis
• Collections strategy and execution
• Customer and branch relationship management
• Secondary security concepts
• Uniform Commercial Code (UCC) fundamentals
• Enterprise and vendor systems proficiency

Benefits

• Health, dental, vision insurance
• Paid time off
• Life insurance
• 401(k) with a company match
• Mental health coverage
• Gender affirming and family building benefits
• Paid parental leave
• Associate discounts