Credit Manager

RDO Equipment Co.; Fargo (ND); On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

Competitive compensation

Downtown Fargo workspace

Comprehensive benefits package

Core values-driven culture

Job summary

RDO Equipment Co. is seeking a Credit Risk Leader to manage credit policies, underwriting processes, and a high-performing team.

You will balance customer needs with sound credit decisions while leveraging lien and bond rights to mitigate risk. You will partner with store and field leadership to align risk controls with business growth, influence decisions, and ensure timely, accurate financial information across the organization.

Qualifications

• 5+ years of experience managing a business credit underwriting function with senior-level finance experience in a retail environment.
• Strong leadership and cross-functional collaboration ability.
• Excellent written and verbal communication; proficient in MS Office.

Responsibilities

• Lead development and execution of credit risk management strategy for trade receivables.
• Underwrite complex credit relationships and large requests.
• Partner with store and field leaders to balance customer needs with risk controls.
• Mentor and develop a high-performing credit team.

Skills

Credit risk underwriting

Leadership

Communication

Microsoft Office

Job description

Lead the management of credit risk for trade receivables by overseeing credit policies, underwriting complex credit relationships, and developing a high-performing credit team. Partner closely with store and field leaders to balance customer needs with sound credit decisions, while leveraging lien and bond rights to mitigate risk and improve collections. The ideal candidate brings strong business credit underwriting expertise, proven leadership experience, and exceptional communication skills.

What's In It For You

• Competitive compensation to reflect your experience.
• State-of-the-art workspaces and amenities in the heart of downtown Fargo.
• A comprehensive benefits package that supports your well-being. For more details and to view these offerings, visit RDO’s benefits page. https://www.rdoequipment.com/careers/benefits.
• A company that lives by its core values: they’re not just words on a wall – they’re how we work, grow, and lead. Click here to learn more. (https://www.rdoequipment.com/about-rdo/core-values).

Why RDO?

When you join RDO Equipment Co., you’ll become part of an industry-leading team providing a world-class experience for customers who do vital work. We deal in iron from the world’s leading equipment and technology manufacturers, but we’re a people business first. RDO has grown from humble roots, guided by a family’s values, and shaped by the strengths, voices and entrepreneurism of our team members. Our Fargo, ND Field Support Office is located in the heart of a thriving, fast-growing metro area that blends small-town charm with big-city energy. At the Fargo Field Support Office, you’ll work alongside knowledgeable, collaborative partners who support teams across the company. Whether you’re looking to grow your career or make a meaningful impact, you’ll find the support and opportunity to thrive here.

What You Will Do

• Lead & Develop the Team: Guide, coach, and develop a high performing team while fostering a positive, collaborative, and results-driven work environment.
• Lead the Credit Risk Management Strategy: Develop, implement and continuously improve credit policies, procedures, and underwriting practices for the trade receivables portfolio, including maximizing the use of credit scoring tools and technology.
• Oversee Complex Credit Decisions: Lead the review and underwriting of large credit requests while implementing lien and bond rights strategies and maintaining sound credit practices that mitigate risk and drive profitable growth.
• Partner with Leadership: Build strong relationships with field leadership to communicate customer credit risks, provide guidance on credit-related matters, and maintain strong working relationships across operations, accounting, and management teams.
• Demonstrate Leadership: Ensure ethical business practices are followed, promote continuous process improvement, uphold the company’s Core Values, and maintain a positive reputation with customers, employees, and community stakeholders.
• For a complete list of duties and responsibilities, view the full job description here.

What You Will Need

• Education & Experience: 5+ years of experience managing a business credit underwriting function with senior-level finance experience within a retail environment.
• Leadership Skills: Proven ability to lead initiatives, develop teams, and influence cross-functional partners.
• Professional Communication: Excellent oral and written communication skills. Proficient in Microsoft Office applications.
• Valid Work Authorization: Candidates must have valid work authorization and be able to work in the U.S. without company sponsorship.

Why You'll Love It Here

• Business Impact: Play a visible role in helping leaders make informed decisions by turning financial data into insights that directly influence business performance.
• Values‑Driven Organization: Join a company that prioritizes integrity, accuracy, and doing the right thing.
• Meaningful Impact: Lead and influence decisions that ensure accurate, timely, and useful financial information for leaders across the organization.
• Collaborative Culture: Be part of a team‑driven environment that values thoughtful analysis, open communication, and shared accountability.
• A Dynamic Environment: Where no two days are the same.
• A Supportive Team: That’s as invested in your success as their own as well as opportunities to build on camaraderie throughout the year.
• Opportunities To: Grow, learn, and lead in the industry.