Credit Manager

Millcraft; Independence Township (OH); On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

Medical, Dental, Vision

Profit Sharing

Generous Time Off

Tuition Reimbursement

Military Leave Pay

Life Insurance

Wellness Program

401k

Employee Assistance Program

Company Holidays

Disability insurance

Job summary

Millcraft is seeking an experienced Credit Manager to lead credit and accounts receivable functions, mitigating risk while supporting growth. The role collaborates with Sales, Customer Experience, Operations, and Finance to safeguard assets and improve processes.

The ideal candidate brings 7+ years in credit management, strong financial statement analysis skills, and experience driving automation. This on-site position offers a comprehensive benefits package and opportunities for professional

Qualifications

• 7+ years of commercial credit, collections, accounts receivable, or related credit management experience.
• 3+ years of management or supervisory experience.
• Strong understanding of commercial credit analysis and risk assessment.
• Experience reviewing financial statements and credit reports.
• Excellent communication and relationship management skills.
• Advanced Microsoft Excel skills.

Responsibilities

• Lead credit administration and policy development.
• Oversee accounts receivable and collections activities.
• Supervise Credit Analyst and Credit & AR Specialist positions.
• Drive process improvements and automation in the credit department.
• Partner with Sales, Finance and IT on system enhancements.
• Develop and present credit-related metrics to management.
• Collaborate cross-functionally to balance customer needs with risk controls.

Skills

Credit risk analysis

Team management

Communication skills

Financial statement analysis

Education

Bachelor's degree in Finance/Accounting/Business Administration

Tools

Microsoft Excel

Microsoft Dynamics 365

Power BI

Job description

WHY MILLCRAFT

At Millcraft, we"re more than a business, we"re a family. For over 100 years, we"ve been proud to serve the paper, packaging, and graphic arts industries, guided by our values of Family, Passion, Aspire, Responsible, and Deliver. We care deeply about our people, our customers, and our communities, and we believe in creating a place where you can grow, belong, and make a real difference. Come join us and be part of something truly special.

WHY MILLCRAFT

At Millcraft, we"re more than a business, we"re a family. For over 100 years, we"ve been proud to serve the paper, packaging, and graphic arts industries, guided by our values of Family, Passion, Aspire, Responsible, and Deliver. We care deeply about our people, our customers, and our communities, and we believe in creating a place where you can grow, belong, and make a real difference. Come join us and be part of something truly special.

THE DIFFERENCE YOU WILL MAKE

We are looking for an experienced Credit Manager to lead our credit and accounts receivable functions. This position is responsible for managing customer credit risk, overseeing collections and accounts receivable activities, and providing leadership to the credit team. The Credit Manager works closely with Sales, Customer Experience, Operations, and Finance to support business growth while protecting the Company's assets.

Core Functions Of This Role

Credit Administration

• Review and approve new customer accounts and credit limit requests.
• Evaluate customer financial statements, credit reports, trade references, and payment history.
• Monitor customer exposure and identify potential credit risks.
• Establish and maintain credit policies, procedures, and internal controls.
• Make recommendations regarding credit holds, credit limit increases, and other risk-mitigation actions.

Accounts Receivable & Collections

• Supervise collection activities and monitor aging performance.
• Assist with escalated collection matters and customer payment issues.
• Work with customers and internal departments to resolve disputes, deductions, and billing concerns.
• Ensure accounts receivable balances are collected in a timely manner.

Team Leadership

• Manage and develop the Credit Analyst and Credit & AR Specialist positions.
• Provide coaching, training, and performance feedback.
• Establish priorities, delegate responsibilities, and ensure workload is properly managed.
• Promote a culture of accountability, responsiveness, and customer service.

Process Improvement & Automation

• Identify opportunities to improve efficiency and reduce manual processes.
• Lead automation and workflow improvement initiatives within the credit department.
• Develop and maintain reporting that supports informed business decisions.
• Partner with Finance and IT on system enhancements and process improvements.

Cross-Functional Support

• Work closely with Sales leadership to balance customer needs with appropriate credit controls.
• Support month-end and year-end activities related to accounts receivable.
• Prepare and present credit-related metrics to management.
• Participate in special projects and strategic initiatives as needed.

Required

WHAT YOU’LL NEED TO SUCCEED

• 7+ years of commercial credit, collections, accounts receivable, or related credit management experience.
• 3+ years of management or supervisory experience.
• Strong understanding of commercial credit analysis and risk assessment.
• Experience reviewing financial statements and credit reports.
• Excellent communication and relationship management skills.
• Strong organizational and prioritization skills.
• Demonstrated ability to manage multiple tasks and deadlines simultaneously.
• Advanced Microsoft Excel skills.

Preferred

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
• Experience with Microsoft Dynamics 365 or another ERP platform.
• Experience with Power BI or other reporting tools.
• Experience leading process improvement and automation initiatives.
• NACM certifications (CBA, CBF, or CCE).

What Winning Looks Like

The successful candidate will be a hands‑on leader who can balance risk management with customer service. They will be comfortable making credit decisions, managing competing priorities, leading a team, and driving continuous improvement within the department.

WORK ENVIRONMENT:

At the corporate level, the work environment characteristics described herein are generally representative of those an employee encounters while performing the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The work environment is moderately quiet to moderately noisy. Temperature is moderated by heat in the winter and air conditioning or air circulation methods in the summer.

How We Will Take Care Of You

• Medical, Dental, & Vision
• Profit‑Sharing
• Generous Time Off Policies
• Tuition Reimbursement Program
• Military Leave Pay
• Voluntary Dependent Life Insurance
• Accident and Critical Illness
• Company Paid Life Insurance
• Wellness Program
• Company Paid Holidays
• 401k Retirement Savings Plan
• Employee Assistance Program
• Veteran’s Day Pay
• Limited Purpose F.S.A and Dependent Care F.S.A
• Company paid Short Term Disability, and Long-Term Disability

Don’t meet every single requirement? That’s okay. At Millcraft, we believe great people come with many different experiences, and if our core values-Family, Passion, Aspire, Responsible, and Deliver-resonate with you, we encourage you to apply. We’re always looking for people who think differently, bring new perspectives, and want to grow with us.

Your passion, our purpose-let’s make a difference together.

Millcraft Paper Company is an EEO employer. We are committed to equal opportunity in the terms and conditions of employment for all employees and job applicants without regard to race, color, religion, sex, sexual orientation, age, gender identity or gender expression, national origin, disability, or veteran status. Millcraft Paper Company complies with all applicable national, state and local laws governing nondiscrimination in employment as well as employment eligibility verification requirements of the Immigration and Nationality Act. All applicants must have authorization to work for Millcraft Paper Company.

#MLC1920