Credit Manager

Johnstone Supply, The Balsan Group; Downingtown (Chester County); On-site; USD 80,000 - 120,000; Full time

Job summary

Johnstone Supply, The Balsan Group is seeking an experienced Credit Manager to lead credit and collections for its HVAC distribution business. You will work closely with Branch Managers, Sales, Customers, Accounting, and Executive Leadership to support sales growth while managing credit risk.

You will evaluate contractors and commercial customers, monitor exposure and aging, lead collections, and partner with sales to balance risk and opportunities.

Qualifications

• 5+ years of experience in credit, collections, accounts receivable, or financial management.
• Experience with contractor, commercial, or trade customers is a plus.
• Strong financial analysis, negotiation, collections, and decision-making skills.
• Proven ability to lead and develop a team.
• Bachelor’s degree in Finance, Accounting, Business, or related field preferred.

Responsibilities

• Evaluate HVAC contractors, dealers, and commercial customers to establish appropriate credit limits and terms.
• Monitor customer exposure, payment history, AR aging, and financial performance.
• Lead collection efforts on past-due and high-risk accounts while maintaining strong customer relationships.
• Partner with Sales and Branch Management to balance sales opportunities with responsible credit decisions.
• Manage credit insurance claims, collection agencies, legal collections, payment arrangements, and recovery efforts.
• Track DSO, cash flow, bad debt, credit exposure, and collection performance and report key trends to leadership.
• Oversee lien waivers and related documentation for construction and commercial accounts.
• Improve credit, collections, cash application, and customer onboarding processes.
• Lead and develop teams responsible for Credit & Collections, Cash Application, Banking Reconciliations, and Credit Card Processing.

Skills

Credit risk management

Financial analysis

Leadership

Negotiation

Collaboration

Education

Bachelor's degree in Finance/Accounting

Tools

Microsoft Excel

ERP/Accounting software

Job description

Credit Manager

We’re looking for an experienced Credit Manager to lead credit and collections for our wholesale HVACdistribution business. This is a key leadership role working closely with Branch Managers, Sales, Customers, Accounting, and Executive Leadership to support sales growth while managing credit risk and protecting the company’s financial position.

What You’ll Own

• Evaluate HVAC contractors, dealers, and commercial customers to establish appropriate credit limits and terms.
• Monitor customer exposure, payment history, AR aging, and financial performance.
• Lead collection efforts on past-due and high-risk accounts while maintaining strong customer relationships.
• Partner with Sales and Branch Management to balance sales opportunities with responsible credit decisions.
• Manage credit insurance claims, collection agencies, legal collections, payment arrangements, and recovery efforts.
• Track DSO, cash flow, bad debt, credit exposure, and collection performance and report key trends to leadership.
• Oversee lien waivers and related documentation for construction and commercial accounts.
• Improve credit, collections, cash application, and customer onboarding processes.
• Lead and develop teams responsible for Credit & Collections, Cash Application, Banking Reconciliations, and Credit Card Processing.

What You Bring

• 5+ years of experience in credit, collections, accounts receivable, or financial management; distribution or wholesale experience preferred.
• Experience working with contractor, commercial, or trade customers is a plus.
• Strong financial analysis, negotiation, collections, and decision-making skills.
• Proven ability to lead and develop a team.
• Ability to work collaboratively with Sales and Operations while confidently managing financial risk.
• Bachelor’s degree in Finance, Accounting, Business, or related field preferred.

Make an Impact

This role is about more than collecting past-due accounts. You’ll help support profitable sales, protect customer relationships, reduce risk, and improve cash flow across our HVAC distribution business.