Credit Manager

johnstonesupplythebalsangroup; Downingtown (Chester County); On-site; USD 90,000 - 130,000; Full time

Job summary

Johnstone Supply The Balsan Group is seeking an experienced Credit Manager to lead credit and collections for our wholesale HVAC distribution operations. You will partner with Branch Managers, Sales, Customers, Accounting, and Executive Leadership to grow sales while protecting financial position.

You will evaluate customers, monitor exposure and payment history, and lead collections on high-risk accounts. This role also requires developing teams and implementing efficient credit and onboarding

Qualifications

• 5+ years of experience in credit, collections, accounts receivable, or financial management; 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 managing financial risk.

Responsibilities

• Evaluate customers to establish credit limits and terms.
• Monitor exposure, payment history, AR aging, and financial performance.
• Lead collections on past-due and high-risk accounts while maintaining relationships.
• Balance sales opportunities with responsible credit decisions with Sales/Branches.
• Manage credit insurance claims, agencies, and recovery efforts.
• Report trends to leadership and track DSO, cash flow, and bad debt.
• Oversee lien waivers and documentation for construction accounts.
• Improve credit, collections, cash application, and onboarding processes.
• Lead teams for Credit & Collections, Cash Application, Banking Reconciliations, and Credit Card Processing.

Skills

Credit management

Collections

Financial analysis

Team leadership

Stakeholder collaboration

Education

Bachelor's degree in Finance or Accounting

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.