Credit Manager

Elevate Operations Group; Saint George (UT); On-site; USD 85,000 - 120,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Disability insurance

Life insurance

Health savings accounts

Employee Assistance Program

Job summary

Paragon Pro Rentals is seeking a Credit Manager in Saint George, UT to oversee credit and collections, evaluate creditworthiness, manage receivables, and protect rental assets. You will partner with Sales, Operations, Finance and Legal to balance growth with risk.

The role requires a bachelor’s degree and 5+ years in commercial credit, with experience in lien and bond rights preferred. You’ll lead a small team, implement credit policies, monitor KPIs, and report results to senior management.

Qualifications

• Bachelor’s degree or equivalent experience in Finance, Accounting, or related field preferred.
• 5+ years of commercial credit and collections experience including credit analysis and AR management.
• Experience with lien, bond rights, guaranties and commercial collection remedies preferred.
• Strong financial analysis, negotiation, communication, leadership and problem-solving skills.

Responsibilities

• Manage customer credit applications, approvals, credit limits and payment terms.
• Evaluate customer creditworthiness using credit reports, financial information, trade references and payment history.
• Monitor customer accounts and adjust credit limits or terms based on payment performance and risk.
• Establish credit requirements including guaranties, deposits, advance payments or other enhancements.
• Oversee accounts receivable and collection activities, including delinquent and high-risk accounts.
• Monitor aging, DSO, past-due balances, bad debt and other KPIs.
• Place accounts on credit hold and coordinate with Sales/Operations on delinquent customers and returns.
• Negotiate payment arrangements and escalate to third-party collections or litigation when needed.
• Oversee processes for preserving lien, preliminary notice, bond claim, and other payment rights; coordinate with Legal.
• Develop and administer credit and collection policies, procedures and internal controls.
• Identify and address potential credit fraud and other account risks.
• Lead, train and develop Credit and Collections personnel.
• Provide management with reporting on receivables and credit exposure.

Skills

Financial analysis

Negotiation

Communication

Leadership

Problem-solving

Excel

Education

Bachelor’s degree in Finance, Accounting, Business Administration, or related field

Tools

Microsoft Excel

ERP systems

Credit management software

Job description

Job Details

Job Location: ST GEORGE, UT 84790

Position Type: Full Time

The Credit Manager is responsible for overseeing Paragon Pro Rentals LLC’s(“Paragon”) credit and collections functions, including customer credit evaluation, credit limits and payment terms, accounts receivable management, collections, and lien and bond rights. The Credit Manager partners with Sales, Operations, Finance and Legal to support profitable growth while managing credit risk, improving cash collections, and protecting Paragon’s receivables and rental assets.

Essential Functions

• Manage customer credit applications, approvals, credit limits and payment terms.
• Evaluate customer creditworthiness using credit reports, financial information, trade references, payment history and other relevant information.
• Monitor customer accounts and adjust credit limits or terms based on payment performance, account activity and credit risk.
• Establish appropriate credit requirements, including guaranties, deposits, advance payments or other credit enhancements.
• Oversee accounts receivable and collection activities, including delinquent and high-risk accounts.
• Monitor aging, DSO, past-due balances, bad debt, and other credit and collection KPIs.
• Place accounts on credit hold and coordinate with Sales and Operations regarding delinquent customers, open rentals and equipment returns.
• Negotiate payment arrangements and elevate accounts for third-party collections, litigation, repossession or write-off, when appropriate.
• Oversee processes for preserving mechanic’s lien, preliminary notice, bond claim, and other statutory payment rights.
• Coordinate with Legal regarding liens, bankruptcies, guaranties, litigation and significant collection matters.
• Develop and administer Paragon’s credit and collection policies, procedures and internal controls.
• Identify and address potential credit fraud and other customer account risks.
• Lead, train and develop Credit and Collections personnel.
• Provide management with reporting regarding receivables, collection performance and significant credit exposure.
• Perform other duties and responsibilities as assigned.

Qualifications

• Bachelor’s degree in Finance, Accounting, Business Administration, or a related field preferred, or equivalent relevant experience.
• Five or more years of commercial credit and collections experience, including credit analysis, accounts receivable management and collections; supervisory or management experience preferred.
• Equipment rental, construction, heavy equipment or related industry experience, including familiarity with lien and bond rights, guaranties and commercial collection remedies, preferred.
• Strong financial analysis, negotiation, communication, leadership and problem-solving skills, with the ability to balance credit risk, customer relationships and business objectives.
• Proficiency with Microsoft Excel and accounting, ERP, credit management, or rental management systems.

Why Join Paragon Pro Rentals?

• Competitive Compensation: Salary based on experience, ensuring your skills and expertise are rewarded.
• Growth Opportunities: Be part of a growing company where your reliability and skills can lead to career advancement.
• Supportive Environment: Work with a dedicated team that values safety, collaboration, and excellence.
• Outstanding Benefits: Enjoy a very competitive benefits package designed to support your health, wellness, and future -
  • Medical insurance
  • Dental insurance
  • Vision insurance
  • Short- or long-term disability insurance
  • Life insurance
  • Health savings accounts
  • Employee Assistance Program

About the Company

Paragon Pro Rentals is a premier independent equipment rental and sales company dedicated to serving the construction and industrial sectors. We offer an extensive selection of high-quality equipment, including aerial lifts, construction and industrial forklifts, material handling solutions, utility vehicles, earthmoving machinery, generators, and more, ensuring our clients have the reliable tools they need to excel on every project.

Paragon Pro Rentals is an Equal Opportunity Employer.