Credit Manager

Credit Institute; Saskatoon; On-site; CAD 90,000 - 115,000; Full time

Job summary

Buckwold Western Ltd. is seeking an experienced Credit Manager to lead our commercial credit, collections, and accounts receivable functions at our Saskatoon head office. This role partners with sales and finance to support growth while minimizing financial risk.

You will review credit applications, set limits, monitor aging, and implement robust collection strategies to protect cash flow. Leadership, analytics, and strong communication are essential in this fast-paced wholesale environment.

Qualifications

• Bachelor’s degree in business administration, finance, commerce or related field.
• 3–7 years of experience in credit analysis, accounts receivable, lending, or financial analysis.
• Demonstrated experience managing the full functions of a corporate credit department.
• Strong knowledge of commercial credit analysis, accounts receivable, financial statement analysis, collections, and credit risk management.
• Excellent analytical, negotiation, communication, and problem-solving skills.
• Strong organizational and time-management abilities with the capacity to manage multiple priorities in a fast-paced environment.

Responsibilities

• Lead all aspects of the commercial credit and collections function for a diverse customer portfolio.
• Review and evaluate new credit applications, establish credit limits, and make sound credit decisions based on financial analysis.
• Analyze credit reports, trade references, and payment histories to assess customer creditworthiness.
• Monitor accounts receivable aging and collection performance to improve cash flow and reduce delinquent accounts.
• Develop and implement effective collection strategies while maintaining positive customer relationships.
• Resolve payment issues, invoice disputes, and account discrepancies promptly and professionally.
• Collaborate with the sales team to balance customer service objectives with prudent credit risk management.
• Recommend credit holds, payment terms, credit limit adjustments, and account reinstatements.
• Monitor customer exposure and identify potential financial risks before they impact the business.
• Coordinate third-party collections, bankruptcies, liens, and related recovery efforts when required.
• Maintain accurate customer credit files and supporting documentation.
• Prepare regular reporting on accounts receivable aging, collections, bad debt, credit exposure, and key performance metrics.
• Ensure compliance with company policies, industry standards, and applicable credit and collection regulations.
• Identify opportunities to improve processes, strengthen internal controls, and increase operational efficiency.

Skills

Credit analysis

Accounts receivable

Lending

Financial analysis

Credit risk management

Analytical skills

Negotiation

Communication

Problem-solving

Time management

Education

Bachelor’s degree in business administration/finance/commerce

Tools

Modern credit software

Job description

About Buckwold Western Ltd.

Founded in 1925, Buckwold Western Ltd. is Western Canada's most trusted leader in wholesale floor covering distribution. With six locations across Canada, we specialize in supplying high-quality commercial and residential flooring solutions backed by exceptional service, industry expertise, and long-standing customer relationships. Our success is built on a collaborative culture that values integrity, accountability, continuous improvement, and customer success.

We are currently seeking an experienced Credit Manager to join our team at our Head Office location in Saskatoon, Saskatchewan. This position leads the company's commercial credit, collections, and accounts receivable functions across all our branches while partnering closely with sales and finance to support profitable growth and minimize financial risk.

Key Responsibilities

• Lead all aspects of the commercial credit and collections function for a diverse customer portfolio.
• Review and evaluate new credit applications, establish credit limits, and make sound credit decisions based on financial analysis.
• Analyze credit reports, trade references, and payment histories to assess customer creditworthiness.
• Monitor accounts receivable aging and collection performance to improve cash flow and reduce delinquent accounts.
• Develop and implement effective collection strategies while maintaining positive customer relationships.
• Resolve payment issues, invoice disputes, and account discrepancies promptly and professionally.
• Collaborate with the sales team to balance customer service objectives with prudent credit risk management.
• Recommend credit holds, payment terms, credit limit adjustments, and account reinstatements.
• Monitor customer exposure and identify potential financial risks before they impact the business.
• Coordinate third-party collections, bankruptcies, liens, and related recovery efforts when required.
• Maintain accurate customer credit files and supporting documentation.
• Prepare regular reporting on accounts receivable aging, collections, bad debt, credit exposure, and key performance metrics.
• Ensure compliance with company policies, industry standards, and applicable credit and collection regulations.
• Identify opportunities to improve processes, strengthen internal controls, and increase operational efficiency.

Qualifications

Required

• Bachelor’s degree in business administration, finance, commerce or a related field.
• 3 – 7 years of experience in credit analysis, accounts receivable, lending, or financial analysis.
• Demonstrated experience managing the full functions of a corporate credit department.
• Strong knowledge of commercial credit analysis, accounts receivable, financial statement analysis, collections, and credit risk management.
• Excellent analytical, negotiation, communication, and problem-solving skills.
• Strong organizational and time-management abilities with the capacity to manage multiple priorities in a fast-paced environment.

Preferred

• Experience within wholesale distribution.
• Industry experience in flooring, building materials, construction supply, manufacturing, or industrial distribution.
• Previous leadership experience.
• Certified Credit Professional (CCP) designation or equivalent professional certification is considered an asset.

Why Join Buckwold Western Ltd.?

At Buckwold Western Ltd., you'll have the opportunity to make a meaningful impact on the company's financial success while building your career within a respected and established Canadian organization.

We foster a collaborative and supportive work environment where your expertise is valued, your ideas are encouraged, and your contributions play an important role in delivering exceptional customer experiences and driving long-term business growth.

In return, we offer a competitive compensation and benefits package, with salary commensurate with experience, as well as performance-based incentives.