Credit Manager — Risk, Collections & Cash Flow

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

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.