Commercial Credit Manager-Applied Group

carrierenterprise

New York (NY)

Hybrid

USD 65,000 - 110,000

Full time

5 days ago

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Benefits offered by this job

Health Insurance

Health Savings Account

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance (Short-term and  

Employee Assistance Program (EAP)

Tuition Reimbursement & Professional  

Job summary

Carrier Enterprise, a premier HVAC distributor, seeks a Commercial Credit Manager to oversee a high-volume accounts receivable portfolio within the Applied Group. You will assess credit risk, structure approvals, and prepare detailed files to expedite decisions by regional leadership.

You will partner with engineers and sales to mitigate risk, protect assets, and improve cash flow while engaging with senior contractors and owners on credit matters. Hybrid role in Manhattan.

Qualifications

Bachelor’s degree in Finance, Accounting, Economics, or Business Administration.
5–10 years of corporate credit management experience with preference for distribution-based, construction-based, mechanical contracting, or industrial manufacturing environments.

Responsibilities

Manage a commercial construction A/R portfolio, thoroughly reviewing credit worthiness of new projects for both current and new customers.
Prepare detailed risk packages to forward for regional and corporate approval on high-dollar lines.
Partner with Engineers and Technical Account Managers to assess financial risk, project scale, and credit requirements.
Drive daily credit and cash application workflows to maximize billing and collection efficiency.
Communicate with C-suite and owners of major firms to settle past-due balances and protect assets.

Skills

Credit analysis

Negotiation

Financial statements

Communication skills

Education

Bachelor’s degree in Finance/Accounting/Economics/Business Administration

Tools

ERP systems

Credit analytics software

Job description

Commercial Credit Manager -Applied Group- HVAC Products | Carrier Enterprise | (Hybrid -Manhattan)

Salary Range: $65K - $110K

Candidates may be hired at any point within the posted salary range based on relevant experience, skills, education, and market considerations.

Company Description:

Carrier Enterprise (CE) is a premier national distributor specializing in residential and light commercial Heating, Ventilation, and Air Conditioning (HVAC) products, parts, and supplies. We serve licensed HVAC/R dealers and contractors, ensuring top-quality HVAC solutions across 28 states, Puerto Rico, the Caribbean, Latin America, Mexico, and Canada. With over 200+ locations, we are well-positioned to meet our customers' HVAC/R needs.

Company Website:

www.carrierenterprise.com

Job Summary

This role manages a high-volume commercial A/R portfolio for the Applied Group, partnering with technical sales and engineers to analyze credit risk, structure approvals, and prepare detailed files to speed Regional Credit Manager decisions. Serve as a strategic financial partner to internal teams and confidently interface with senior general contractors, developers, and owners of major mechanical firms driving timely credit reviews, minimizing (61+ day) aging through strong risk mitigation, and optimizing cash flow. ( Salary range 65k-80K)

DUTIES AND RESPONSIBILITIES

Manage a commercial construction A/R portfolio, thoroughly reviewing credit worthiness of new projects for both current and new customers. The candidate will prepare detailed risk packages to forward for regional and corporate approval on high-dollar lines.
Partner proactively with the Applied Group of Engineers and Technical Account Managers to assess financial risk, project scale, and credit requirement.
Protect company security by executing and tracking statutory mechanics lien rights, public/private payment bond claims, and joint check agreements.
Drive daily credit and cash application workflows leveraging ERP and Collections Systems to maximize billing and collection efficiency.
Conduct professional, highly assertive financial outreach to C-suite and ownership teams at major contracting firms to settle past-due commercial balances.
Formulate and deliver data-driven credit risk summaries, cash forecasting, and aging report updates directly to the Regional Credit Manager.
Attend regional Dashboard and Sales meetings and as necessary client project site discussions to provide guidance on complex project financing and credit structures.
Maintain rigorous electronic credit files, financial statement reviews, and statutory notice logs in compliance with internal corporate procedures and external audits.

Education and Experience Requirements

Bachelor’s degree in Finance, Accounting, Economics, or Business Administration.
5–10 years of corporate credit management experience with preference for candidates from distribution-based, construction-based, mechanical contracting, or industrial manufacturing environments.

Required Qualifications

Strong understanding of commercial construction law, AIA billings (G702/G703), retention rules, and conditional/unconditional lien waivers, including mechanics lien/bond timelines and statutory rights for the New York metro/Northeast region.
Exceptional oral and written communication skills, with proven confidence leading high-stakes negotiations with corporate executives.
Advanced ability to evaluate commercial corporate financial statements and credit bureau/credit analytics.
Proven history partnering constructively with aggressive commercial sales teams to create secure deal structures that close while protecting company assets.

Preferred Qualifications