Credit Manager

About This Role

This Credit Manager role oversees a commercial accounts receivable portfolio exceeding $5 million, driving collection efforts, evaluating customer credit risk, and supporting profitable sales growth while minimizing bad debt exposure. The position partners closely with sales, branch leadership, and customers in a B2B environment to manage credit decisions, collections, bonds and liens, account aging, and overall credit and collections performance.

Responsibilities

• Be responsible for credit extension and collection of A/R for assigned area in accordance with company policy and applicable law
• Work closely with branch managers, sales team, customers (internal and external) to resolve credit and collection issues, including outbound collections calls
• Balance cultivating strong relationships with customers while aggressively working to keep 90+ day past due accounts, aging, and write-offs to a minimum
• Be responsible for handling and storage of credit files and account receivable records within assigned area
• Handle bonds and liens for assigned area
• Provide ad-hoc reports to management regarding status of accounts
• Attend sales and customer meetings pertaining to credit matters
• Support full compliance of all company credit policies and procedures, working with regional credit staff as well as internal and external auditors
• Demonstrate commitment towards process excellence and a willingness to challenge existing processes
• Take the initiative to identify areas of opportunity and innovative ways of doing business
• Analyze collection processes and establish best practices
• Additional special projects may be assigned

Requirements

• Exceptional customer service skills
• Understanding of Order Management & AR systems
• Proficiency in financial analysis, including interpretation of financial statements, credit reports, and industry data
• In-depth knowledge of credit risk assessment techniques, credit policies, and legal regulations
• Strong analytical & problem-solving skills
• Excellent written & oral communication skills; ability to always maintain a professional and pleasant demeanor
• Bonds and liens experience
• Ability to analyze complex data and reports and manage multiple priorities
• Ability to work independently and collaboratively in a team environment
• Build strong relationships with internal and external stakeholders
• Solid organizational skills and the ability to effectively communicate with all levels of the organization
• Excellent decision-making skills with the ability to balance risk and business objectives
• Above average PC skills and Microsoft Office skills to include Word, Excel, PowerPoint, Outlook, Access and other web-based applications