Credit & Accounts Receivable Specialist

Woodson & Bozeman, Inc.; Memphis (TN); On-site; USD 55,000 - 70,000; Full time

Job summary

Woodson & Bozeman, Inc. in Memphis, TN seeks an experienced Credit & Accounts Receivable Specialist to manage customer credit, collections, cash application, and AR activities while collaborating with Finance, Sales, and customers.

The role emphasizes strengthening credit management processes, maintaining credit limits, holds, and account exceptions, and taking meaningful ownership to improve working capital.

Qualifications

• 3+ years of B2B accounts receivable, credit, or related role.
• Experience managing trade credit and customer credit limits.
• Understanding AR aging, credit exposure, payment terms, holds, collections.
• Strong analytical, reconciliation, and problem-solving skills.
• Proficiency with Excel and ERP/accounting systems.
• Experience in distribution/manufacturing HVAC or similar B2B environment is a plus.

Responsibilities

• Manage daily cash application and ensure payments are accurately applied.
• Monitor AR aging and proactively collect past-due balances.
• Maintain customer credit limits, payment terms, files, and supporting documentation.
• Perform initial and periodic customer credit reviews using payment history, AR aging, credit information, and overall customer exposure.
• Monitor customer exposure against established credit limits and identify accounts requiring review.
• Review credit holds, order releases, credit limit increases, and other customer exceptions and make recommendations as appropriate.
• Partner with finance leadership to establish and maintain consistent processes around credit limits, holds, releases, past-due accounts, and exception approvals.
• Research and resolve unapplied cash, deductions, disputed invoices, short payments, and other customer account issues.
• Work closely with Sales to resolve customer issues while appropriately managing credit risk.
• Maintain reporting and documentation related to AR aging, collections, credit exposure, and customer account activity.
• Support month-end AR reconciliation and identify opportunities to improve credit and AR processes.

Skills

Credit management

AR collections

Cash application

Analytical skills

Customer communication

Problem solving

Tools

Excel

ERP systems

Accounting software

Job description

We are seeking an experienced and detail-oriented Credit & Accounts Receivable Specialist to join our finance team. This role will be responsible for managing customer credit, collections, cash application, and accounts receivable activities while working closely with Finance, Sales, and our customers.

The successful candidate will also help strengthen our credit management processes, including customer credit limits, credit holds, order releases, and account exceptions. This is an excellent opportunity for someone with B2B credit and AR experience who is interested in taking meaningful ownership of the function and helping improve how we manage customer credit and working capital.

Duties

• Manage daily cash application and ensure customer payments are accurately and timely applied.
• Monitor AR aging and proactively collect past-due balances.
• Maintain customer credit limits, payment terms, credit files, and supporting documentation.
• Perform initial and periodic customer credit reviews using payment history, AR aging, credit information, and overall customer exposure.
• Monitor customer exposure against established credit limits and identify accounts requiring review.
• Review credit holds, order releases, credit limit increases, and other customer exceptions and make recommendations as appropriate.
• Partner with finance leadership to establish and maintain consistent processes around credit limits, holds, releases, past-due accounts, and exception approvals.
• Research and resolve unapplied cash, deductions, disputed invoices, short payments, and other customer account issues.
• Work closely with Sales to resolve customer issues while appropriately managing credit risk.
• Maintain reporting and documentation related to AR aging, collections, credit exposure, and customer account activity.
• Support month-end AR reconciliation and identify opportunities to improve credit and AR processes.

Requirements

• 3+ years of experience in B2B accounts receivable, credit, collections, or a related role.
• Experience managing trade credit and customer credit limits strongly preferred.
• Understanding of AR aging, credit exposure, payment terms, credit holds, collections, and cash application.
• Strong analytical, reconciliation, and problem-solving skills.
• Sound judgment and ability to balance customer relationships and sales opportunities with appropriate credit discipline.
• Strong communication skills and comfort working directly with customers and Sales.
• Proficiency with Microsoft Excel and experience working with ERP or accounting systems.
• Experience in distribution, manufacturing, HVAC, building products, industrial supply, or a similar B2B environment is a plus.

Pay:

$55,000-$70,000 per year, depending on experience