Credit Manager — Lead Collections & AR (Travel)

FERGUSON; San Antonio (TX); On-site; USD 53,000 - 80,000; Full time

Job summary

Ferguson is seeking a skilled Credit Manager to oversee credit, collections, and accounts receivable within a multi-state territory including Texas. The role focuses on protecting company assets, supporting sales growth, and optimizing return on receivables.

The position manages a portfolio up to $20,000,000 and requires strong financial judgment and leadership. Based in San Antonio, TX, you will travel regularly within the territory with travel expenses reimbursed.

Qualifications

• Bachelor’s degree in Finance or related field.
• 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.

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 evaluation

Portfolio management

Analytical skills

Decision making

Communication skills

Leadership

Sales process understanding

FDCPA knowledge

ECOA knowledge

UCC fundamentals

Enterprise systems proficiency

Education

Bachelor’s degree in Finance or related field

Job description

Ferguson is seeking a skilled Credit Manager to oversee credit, collections, and accounts receivable within a multi-state territory including Texas. The role focuses on protecting company assets, supporting sales growth, and optimizing return on receivables.

The position manages a portfolio up to $20,000,000 and requires strong financial judgment and leadership. Based in San Antonio, TX, you will travel regularly within the territory with travel expenses reimbursed.