Credit Manager, Construction Finance & Risk

Ferguson Enterprises, Inc.; Maryland; On-site; USD 56,000 - 89,000; Full time

Benefits offered by this job

Health insurance

Dental coverage

Vision benefits

Paid time off

401(k) with company match

Job summary

Ferguson Enterprises, LLC in Halethorpe, MD seeks a skilled Credit Manager to oversee credit, collections and accounts receivable for a multi-state territory. You will manage a portfolio up to $20M, develop collection strategies, and protect company interests while partnering with sales teams.

The role requires strong financial judgment, leadership, and the ability to navigate a fast-paced environment with travel across MD, DC, and VA. Regular travel is reimbursed.

Qualifications

• Bachelor’s degree in Finance or related field preferred.
• Credit, Collections, or Accounts Receivable experience (construction industry preferred).
• Strong analytical and decision-making skills with sound business judgment.
• Excellent communication and relationship-building abilities.
• Ability to manage priorities and perform effectively in a fast-paced environment.
• Leadership or team development experience preferred.
• Sales process understanding.
• Credit evaluation and portfolio management.
• Financial Statement Analysis
• Collections strategy and execution
• Customer and branch relationship management
• Secondary security concepts
• Uniform Commercial Code (UCC) fundamentals
• Enterprise and vendor systems proficiency

Responsibilities

• Evaluate and approve credit applications, limits, and account changes based on risk analysis.
• Monitor customer balances and aging; take action on delinquent accounts.
• Develop and execute effective collection strategies.
• Review and manage credit limits and lien rights to protect company interests.
• Resolve disputes in partnership with sales and customers.
• Manage bad debt exposure, including recovery efforts and legal escalation when necessary.
• Ensure compliance with applicable laws and regulations (e.g., UCC, FDCPA, ECOA, liens, bonds, Sarbanes-Oxley).
• Partner with sales teams through regular branch interaction and customer visits.
• Structure credit solutions (e.g., joint check agreements) for project-based accounts.
• Handle complex, high-risk, or exception accounts beyond standard authority.
• Lead, coach, and develop credit team members

Skills

Credit management

Collections

Accounts receivable

Financial analysis

Risk assessment

Leadership

Communication

Sales partnership

Education

Bachelor’s degree in Finance or related field

Tools

ERP systems

Job description

Ferguson Enterprises, LLC in Halethorpe, MD seeks a skilled Credit Manager to oversee credit, collections and accounts receivable for a multi-state territory. You will manage a portfolio up to $20M, develop collection strategies, and protect company interests while partnering with sales teams.

The role requires strong financial judgment, leadership, and the ability to navigate a fast-paced environment with travel across MD, DC, and VA. Regular travel is reimbursed.