Commercial Credit Manager-Applied Group

Carrier Enterprise

New York (NY)

Hybrid

USD 65,000 - 110,000

Full time

41 hours ago

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Benefits offered by this job

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

401(k) Plan with Employer Match

Paid Vacation & Sick time

Tuition Reimbursement

Job summary

Carrier Enterprise is seeking a Commercial Credit Manager for the Applied Group in a hybrid Manhattan role. You will manage a high-volume commercial A/R portfolio, analyze credit risk, structure approvals, and prepare files to support Regional Credit Manager decisions.

You will interact with senior executives from major mechanical firms to optimize cash flow. The role requires a BA/BS in Finance or related field and 5–10 years in corporate credit.

Qualifications

Bachelor’s degree required in Finance/Accounting/Economics or Business Administration.
5–10 years in corporate credit management, preferably in distribution/construction/industrial environments.
Strong understanding of commercial construction law and lien/bond processes.

Responsibilities

Manage a high-volume commercial A/R portfolio for the Applied Group.
Analyze credit risk and structure approvals for new and existing projects.
Prepare detailed risk packages for regional and corporate approvals.
Interface with senior contractors, developers, and owners to drive timely credit decisions.
Maintain electronic credit files and assist with cash flow forecasting and aging reports.
Collaborate with Engineers and Technical Account Managers to assess financial risk.

Skills

Credit risk analysis

Financial statement analysis

Negotiation skills

Stakeholder management

ERP systems

Education

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

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)

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