Credit & Trade Finance Manager

Stoakley-Stewart Consultants Ltd.; Cambridge; Hybrid; CAD 90,000 - 105,000; Full time

Benefits offered by this job

Health benefits

RRSP matching

Paid time off

Education reimbursement

Professional development

EAP/EFAP

Team events

Job summary

Stoakley-Stewart Consultants Ltd. is seeking an experienced Credit & Trade Finance Manager to lead the international AR and credit function from Cambridge, ON in a hybrid model.

You will advise Sales on complex international transactions, manage risk, and drive process improvements across banking partners and ERP systems. Reporting to the CFO with a view to protecting cash flow and supporting profitable, global growth, you will expertly handle Letters of Credit, guarantees and export

Qualifications

• 10+ years of international credit and trade finance experience.
• Experience with Letters of Credit, guarantees and payment mechanisms.
• Proven ability to partner with Sales to structure viable, low-risk transactions.
• Strong knowledge of risk assessment across country and political risk.
• Experience leading Accounts Receivable/credit teams.

Responsibilities

• Lead global Credit and Accounts Receivable function and reporting.
• Serve as trade finance resource for Sales and leadership.
• Advise on complex international transactions and export documentation.
• Develop commercially viable payment structures balancing risk and customer needs.
• Partner with Sales and Operations to preempt payment issues.
• Monitor risk, governance, approvals, aged receivables and write-offs.

Skills

Credit risk management

Billing

Collections

Cash application

Dispute resolution

Reconciliation

Management reporting

Letters of Credit

Bank Guarantees

Performance Bonds

Advance Payment Guarantees

Documentary collections

Credit insurance

Export documentation

SAP S/4HANA Public Cloud

Education

Bachelor's degree in Business/Finance/Accounting

CPA/CFA/CTP designation (asset)

Tools

SAP S/4HANA Public Cloud

Job description

Company Description

Our client is a well-established global manufacturer and industry leader whose products and services support customers throughout international markets.

Cambridge, ON | Hybrid

Compensation

• $90,000 - $105,000 annual base salary, commensurate with experience
• Hybrid work arrangement 3 days in office / 2 days remote
• Comprehensive health, dental and extended health benefits
• RRSP matching program
• Paid time off
• Education reimbursement and professional development opportunities
• Employee Assistance Program (EAP/EFAP)
• Company social events and team activities
• The stated compensation range reflects the full scope of the role as currently structured and is provided in accordance with pay transparency requirements. Offers are determined based on relevant experience, demonstrated skills, internal equity, and alignment with the role's requirements. The upper end of the range is typically reserved for candidates who fully meet all requirements and qualifications outlined in this posting and the official job description.

The Opportunity

This is a highly visible hybrid opportunity for an experienced international credit and trade finance professional to lead a global Credit and Accounts Receivable function while serving as a key commercial partner to Sales.

Reporting to the CFO, with a dotted-line relationship to the CEO, the Credit & Trade Finance Manager will help protect cash flow and working capital while supporting profitable international growth.

Success in this role requires strong, practical expertise in Letters of Credit, Bank Guarantees, Bid Bonds and Advance Payment Guarantees, along with experience advising on documentary collections, credit insurance, export documentation and other international trade finance solutions. You will work closely with Sales to structure commercially viable transactions while managing customer, country and political risk.

The organization can teach its products and commercial model; what is essential is the international credit and trade finance expertise required to confidently support complex global transactions.

Based at the Cambridge headquarters, the role offers a 3-day in-office / 2-day remote hybrid schedule, combining close collaboration with Finance, Sales, Operations and executive leadership with focused analytical and strategic work.

Why This Role?

This role offers a rare combination of international trade finance, global credit leadership and direct commercial influence, with the visibility to work closely with senior executives and Sales leadership on complex global transactions.

For an experienced credit and trade finance professional who enjoys solving international payment challenges and helping business move forward, it offers considerable breadth, visibility, flexibility and impact.

Position Description

As Credit & Trade Finance Manager, you will lead the organization’s global credit, Accounts Receivable and trade finance activities while partnering closely with Sales, Operations, Order Management, Logistics, banking partners and executive leadership.

A key part of your mandate will be evaluating and structuring international transactions involving Letters of Credit, Bank Guarantees, Performance Bonds, Bid Bonds, Advance Payment Guarantees, documentary collections, credit insurance and export documentation.

Working within a 3-day in-office / 2-day remote hybrid model, you will help Sales overcome payment, credit and documentation barriers while protecting the organization’s financial interests and supporting timely, profitable international business.

Your Responsibilities Will Include

• Leading the global Credit and Accounts Receivable function, including credit risk management, billing, collections, cash application, dispute resolution, reconciliation and management reporting.
• Serving as a key international trade finance resource to Sales and senior leadership, with particular expertise in Letters of Credit, Bank Guarantees, Performance Bonds, Bid Bonds and Advance Payment Guarantees.
• Advising on complex international transactions involving documentary collections, credit insurance, export documentation, international payment mechanisms and other trade finance solutions.
• Developing commercially viable payment structures that balance customer requirements with appropriate credit and financial risk management.
• Partnering with Sales and Operations early in the commercial process to identify and resolve payment, credit or documentation issues before they delay quotations, shipments or customer relationships.
• Managing credit policies, approval authorities and governance, including customer credit approvals, aged receivables, bad-debt provisions and write-offs within delegated authority.
• Monitoring customer, country, sovereign and political risk across the global portfolio and providing timely insight to senior leadership regarding receivables, credit exposure and working capital.
• Managing relationships with banks, insurers, international customers and commercial partners, including the organization’s senior relationship with Export Development Canada (EDC).
• Leading, coaching and developing the Accounts Receivable team while fostering a customer-focused, commercially minded and accountable credit culture.
• Building strong partnerships across Sales, Order Management, Logistics and Finance while driving process improvement, standardization and automation within SAP S/4HANA Public Cloud.

Experience

The following international credit and trade finance experience is particularly important to success in this role.

• Strong practical expertise with international Letters of Credit and international payment mechanisms.
• Demonstrated experience with Bank Guarantees, Bid Bonds and Advance Payment Guarantees.
• Experience advising on complex international transactions involving letters of credit, documentary collections, bank guarantees, bonds, credit insurance, export documentation and trade finance solutions.
• The ability to work closely and confidently with Sales, helping develop payment structures that support international business while appropriately managing financial risk.

In addition, you will bring

• 10+ years of progressive experience in international credit, trade finance, export finance, commercial banking or a closely related discipline.
• Experience supporting international customers and complex global commercial transactions, ideally within manufacturing, industrial equipment or a similarly international business environment.
• Strong knowledge of international credit risk, Accounts Receivable management and customer, country, sovereign and political risk assessment.
• Experience leading and developing an Accounts Receivable or credit team.
• Demonstrated ability to work closely with Sales to structure commercially viable solutions while appropriately managing financial risk.
• Experience working directly with banks, insurers and other financial institutions; exposure to export-credit agencies such as Export Development Canada (EDC) is highly valued.
• Strong commercial judgment, with the ability to balance credit discipline, customer requirements and broader business objectives.
• Experience improving, standardizing or scaling credit and Accounts Receivable processes.
• Experience with SAP S/4HANA Public Cloud is preferred.

Education

• Bachelor's degree in Business, Finance, Accounting or a related discipline.
• CPA, CFA, CTP or another relevant professional designation is considered an asset.

We consider all qualified individuals for client introduction and employment opportunities without regard to characteristics protected by applicable human rights legislation.

Accommodations are available upon request for applicants with disabilities throughout the recruitment, assessment, and selection process.