Credit Manager

Ferguson; Chantilly (NC); On-site; USD 62,000 - 98,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

401(k) with company match

Paid time off

Job summary

Ferguson in Chantilly, VA is seeking a skilled Credit Manager to oversee credit, collections and accounts receivable operations. You will protect company assets while supporting sales growth and optimizing return on receivables in a multi-billion dollar organization.

You will manage daily credit activities, review credit limits, and develop strategies to reduce DSO, handle high‑risk accounts, and ensure compliance with UCC, FDCPA and related laws, partnering with sales teams across branches.

Qualifications

• Bachelor’s degree in finance or related field preferred.
• 2+ yrs Credit Management Experience preferred.
• Credit, Collections, or Accounts Receivable experience (construction industry preferred).
• Strong analytical and decision-making skills with sound business judgment.
• Excellent communication and relationship-building abilities.
• Ability to manage priorities in a fast-paced environment.
• Leadership or team development experience preferred.
• Credit evaluation and portfolio management.

Responsibilities

• Monitor customer balances and aging, act on delinquent accounts.
• Develop and execute effective collection strategies.
• Review and manage credit limits and lien rights to protect company interests.
• Resolve disputes in partnership with sales and customers.
• Manage bad debt exposure, including recovery efforts and legal escalation when necessary.
• Ensure compliance with applicable laws and regulations (e.g., UCC, FDCPA, ECOA, liens, bonds, Sarbanes-Oxley).
• Partner with sales teams through regular branch interaction and customer visits.
• Structure credit solutions for project-based accounts.
• Handle complex, high-risk, or exception accounts beyond standard authority.
• Review obtained credit information, evaluate risk, and approve/decline credit accounts and limits.
• Conduct or supervise credit investigations on existing and potential customers.
• Contact credit customers regarding balances due and ensure regular follow-up.
• Build relationships with customers and sales team; discuss A/R strategy.
• Focus on improving payment schedules and reducing DSO.
• Understand and maintain lien and bond rights; monitor customer accounts.
• Keep management informed concerning status of receivables.
• Adhere to company compliance and HSE policies.

Skills

Credit management

Collections

Accounts receivable

Financial analysis

Communication

Team leadership

UCC knowledge

MS Office

ERP systems

Education

Bachelor’s degree in finance

Tools

ERP systems

Microsoft Office

Job description

Job Posting:

Since 1953, Ferguson has been a source of quality supplies for a variety of industries. Together We Build Better infrastructure, better homes, and better businesses. We exist to make our customers’ complex projects simple, successful, and sustainable. We proactively solve problems, adapt and grow to continuously serve our customers, communities, and each other. Ferguson is proud to provide best-in-class products, service, and capabilities across the following industries: Commercial/Mechanical, Facilities Supply, Fire and Fabrication, HVAC, Industrial, Residential Trade, Residential Building and Remodel, Waterworks and Residential Digital Commerce. Ferguson has approximately 36,000 associates across 1,700 locations. Ferguson is a community of proud associates who operate with the shared purpose of building something meaningful. You will build a career that you are proud of, at a company you can believe in.

We are currently seeking the right individual to fill an immediate need for a Credit Manager full time and on-site for our F001 Chantilly VA location. If you have familiarity and experience with credit, collections and accounts receivable coupled with an interest in contributing directly to the bottom line of a multi-billion-dollar organization, this is the position for you!

Ferguson is seeking a skilled Credit Manager to oversee credit, collections, and accounts receivable operations. This role is critical in protecting company assets while supporting sales growth and optimizing return on receivables.

The Credit Manager manages daily credit and collection activities in alignment with company policy and assigned authority, balancing risk management with customer support to drive profitable growth and minimize exposure.

This position is responsible for managing a portfolio of accounts receivable of up to $30 million/month requiring strong financial judgment and business partnership.

Responsibilities

• Monitor customer balances and aging, act on delinquent accounts
• Develop and execute effective collection strategies
• Review and manage credit limits and lien rights to protect company interests
• Resolve disputes in partnership with sales and customers
• Manage bad debt exposure, including recovery efforts and legal escalation when necessary
• Ensure compliance with applicable laws and regulations (e.g., UCC, FDCPA, ECOA, liens, bonds, Sarbanes-Oxley)
• Partner with sales teams through regular branch interaction and customer visits
• Structure credit solutions (e.g., joint check agreements) for project-based accounts
• Handle complex, high-risk, or exception accounts beyond standard authority
• Review obtained credit information, evaluate credit risk, and approve or decline credit accounts and credit limits, in accordance with established company policies and terms, in a timely manner.
• Conduct or supervise credit investigations on existing and potential customers to extend or raise credit limit and monitor exposure.
• Contact credit customers through phone, e-mail, or on-site visits regarding their balance due, contributing to prompt payments. Ensure regular follow-up with customers.
• Build relationships with customers and sales team through routine communication and visitation. Regular discussion of A/R strategy in cooperation with Market Credit Manager.
• Focus on improving customer payment schedules, increasing Ferguson’s collection percentage, and reducing Days Sales Outstanding (DSO), past due balances, write-offs, and disputes.
• Understand and maintain lien and bond rights, through creation and monitoring of customer job accounts.
• Keep management informed concerning the status of customers and receivables.
• Adhere to Company compliance and Health Safety and Environment (HSE) policies, procedures, and requirements

Qualifications

• Bachelor’s degree in finance or related field preferred
• 2+ yrs Credit Management Experience preferred
• Credit, Collections, or Accounts Receivable experience (construction industry preferred)
• Self-confident, strong communication skills and inquisitive
• Strong analytical and decision-making skills with sound business judgment (macro decision making)
• Excellent communication and relationship-building abilities
• Ability to manage priorities and perform effectively in a fast-paced environment
• Ability to react swiftly to new information and handle conflict professionallyLeadership or team development experience preferred
• Sales process understanding
• Credit evaluation and portfolio management
• Financial Statement Analysis
• Collections strategy and execution
• Customer and branch relationship management
• Secondary security concepts
• Uniform Commercial Code (UCC) and credit fundamentals (ex: financial statement analysis, secondary securities, contract/bankruptcy law, etc.).
• Enterprise and vendor systems proficiency Microsoft office (Word, Excel, Outlook, OneNote, Teams, A.I.) preferred

At Ferguson, we care for each other. We value our well-being just as much as our hard work. We are committed to a holistic approach towards benefits plans and programs that support the mental, physical, and financial well-being of our associates. Our competitive offering not only includes benefits like health, dental, vision, paid time off, life insurance and a 401(k) with a company match, but our associates also enjoy additional meaningful and inclusive enhancements that are adaptable to their diverse situations and needs, including mental health coverage, gender affirming and family building benefits, paid parental leave, associate discounts, community involvement opportunities and more!

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Pay Range

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$5,525.00 - $8,825.00

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Estimated Ranges displayed are Monthly for Salaried roles OR Hourly for all other roles.

This role is Bonus or Incentive Plan eligible.

Ferguson complies with all wage regulations. The starting wage may be higher in certain locations based on local or state wage requirements.

The Company is an equal opportunity employer as well as a government contractor that shall abide by the requirements of 41 CFR 60-300.5(a), which prohibits discrimination against qualified protected Veterans and the requirements of 41 CFR 60-741.5(A), which prohibits discrimination against qualified individuals on the basis of disability.

Ferguson Enterprises, LLC. is an equal employment employer F/M/Disability/Vet/Sexual Orientation/Gender Identity.

Equal Employment Opportunity and Reasonable Accommodation Information