Commercial Credit Manager-Applied Group

Carrier Enterprise; New York (NY); On-site; USD 65,000 - 80,000; Full time

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

Paid Vacation & Sick time

Company Paid Holidays

401(k) Plan with Employer Match

Employee Discount Program

Company Paid Volunteer Time Off

Job summary

Carrier Enterprise in New York seeks a Commercial Credit Manager to oversee a high-volume A/R portfolio for the Applied Group. You will analyze credit risk, structure approvals, and prepare detailed files for swift decision-making, liaising with engineers and senior contractors to optimize credit terms and cash flow.

The role requires 5–10 years of credit management experience, strong knowledge of AIA billings, and excellent communication skills.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, or Business Administration.
• 5–10 years of corporate credit management experience in distribution/construction/manufacturing.
• Strong knowledge of commercial construction law, AIA billings, and lien waivers.
• Excellent written and verbal communication with senior executives.

Responsibilities

• Manage a high-volume commercial A/R portfolio and assess credit risk.
• Structure approvals and prepare files to expedite regional decisions.
• Interact with engineers and sales teams to tailor credit structures.
• Maintain and track mechanics lien rights and payment bond claims.
• Provide data-driven risk summaries and aging updates to leadership.
• Participate in regional meetings and client discussions related to financing.

Skills

Credit management

Financial analysis

Negotiation

AIA billings

Communication

ERP systems

Education

Bachelor’s degree in Finance, Accounting, Economics, or Business Administration

Tools

ERP systems

Credit analytics tools

Job description

About Us

Carrier Enterprise (CE) is a subsidiary of the largest independent HVAC/R distribution company in the world, Watsco, Inc. At CE we proudly distribute industry leading brands such as Carrier, Bryant, Payne, GREE and other brands of HVAC and Refrigeration equipment, as well as a full-line of aftermarket parts, supplies and accessories. CE has approximately 200+ locations throughout 28 states, Puerto Rico, the Caribbean, Latin America, Mexico and Canada with over 2,000+ employees. Our vast footprint, inventory and e-Commerce platform allows us to provide our customers with best in class service when they need it and where they need it.

Carrier Enterprise is dedicated to providing Comfort Excellence to the HVAC/R industry. Our vision for Carrier Enterprise is simple...to become a world-class distribution company, and achieve differentiation through the relentless pursuit of service excellence. Our customers and our employees make the difference. We have vast opportunities at our stores, distribution centers, field offices, business units and Headquarter location. We embrace the diverse experiences, backgrounds, knowledge and ideas that make up our company culture. Those experiences only strengthen our teams and our business. From our retail locations to our e-Commerce and mobile platforms our team has the tools to help you grow your career at Carrier Enterprise. See where your drive will take you!

Find out more about CE at www.carrierenterprise.com.

Carrier Enterprise is an Equal Opportunity Employer. CE offers a competitive total pay (plus bonus on sales incentives) and benefits package inclusive of health, dental, vision, life insurance and 401(k).

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

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

• Professional designations from the National Association of Credit Management (NACM).
• Notary Public certification.

Benefits

• Health Insurance
• Health Savings Account
• Dental Insurance
• Vision Insurance
• Life Insurance
• Disability Insurance (Short-term and Long-term)
• Employee Assistance Program (EAP)
• Tuition Reimbursement & Professional Development
• Paid Vacation & Sick time
• Company Paid Holiday's
• 401(k) Plan with Employer Match
• Employee Discount Program
• Company Paid Volunteer Time Off