Senior Credit Manager

Ferguson Enterprises, LLC; Florida; On-site; USD 92,000 - 147,000; Full time

Benefits offered by this job

Bonus or Incentive Plan eligible

Equal opportunity employer

Job summary

Ferguson Enterprises, LLC is seeking an experienced Senior Credit Manager to lead credit, collections, and accounts receivable operations. Based in Tamarac, FL, you will drive risk-adjusted profitability, coach a high-performing team, and partner with sales to balance growth with risk.

You will evaluate credit applications, monitor portfolio performance, and implement effective strategies across multiple business units, ensuring compliance and internal controls.

Qualifications

• Bachelor’s degree in Finance, Accounting, Business, or a related field preferred.
• Progressive experience in Credit, Collections, Accounts Receivable, or related financial discipline.
• Previous leadership or people-management experience preferred.
• Experience coaching and developing associates and supporting performance.
• Strong analytical and financial decision-making skills with sound business judgment.
• Experience evaluating credit risk and managing complex/high-value portfolios.
• Strong understanding of financial statement analysis.
• Knowledge of collection strategies and execution.
• Understanding of secondary security concepts and risk mitigation strategies.
• Knowledge of UCC fundamentals.

Responsibilities

• Provide leadership and oversight for credit, collections, and AR activities across the market.
• Lead, coach, develop, and engage credit team members to support objectives.
• Establish expectations and provide ongoing feedback, coaching, and development.
• Partner with Human Resources on performance management and engagement.
• Participate in workforce planning, onboarding, and development of team members.
• Promote a positive, collaborative, and accountable team environment.
• Monitor delinquent/high-risk accounts and portfolio performance.
• Develop and execute effective collection and risk-management strategies.
• Review credit limits, lien rights, and other risk mitigations.
• Handle complex, high-risk, or escalated accounts with sound judgment.

Skills

Credit risk analysis

Collections & AR management

Financial judgment

People leadership

Coaching and development

Financial statement analysis

Credit policy adherence

Strong communication skills

Cross-functional collaboration

Risk mitigation strategies

UCC fundamentals

Relationship building

Strategic credit solutions

Sales collaboration

Decision making under pressure

Education

Bachelor’s degree in Finance/Accounting/Business

Job description

Since 1953, Ferguson has been a source of quality supplies for a variety of industries. Together We Build Better infrastructure, better homes and better businesses. We exist to make our customers’ complex projects simple, successful, and sustainable. We proactively solve problems, adapt and grow to continuously serve our customers, communities and each other. Ferguson, a Fortune 500 company, is proud to provide best-in-class products, service and capabilities across the following industries: Commercial/Mechanical, Facilities Supply, Fire and Fabrication, HVAC, Industrial, Residential Trade, Residential Building and Remodel, Waterworks and Residential Digital Commerce. Ferguson has approximately 36,000 associates across 1,700 locations. Ferguson is a community of proud associates who operate with the shared purpose of building something meaningful. You will build a career that you are proud of, at a company you can believe in.

Ferguson is seeking an experienced Senior Credit Manager to provide leadership and oversight for credit, collections, and accounts receivable operations across an assigned market. This role is critical in protecting company assets, developing and leading a high-performing credit team, supporting profitable sales growth, and optimizing return on receivables. The Senior Credit Manager provides strategic and day-to-day leadership for credit and collection activities in alignment with company policies and assigned authority. This position requires a strong balance of financial judgment, risk management, business partnership, and people leadership. The Senior Credit Manager is also responsible for key people-management activities, including coaching and developing associates, supporting performance management, workforce planning, associate engagement, and partnering with Human Resources on employee-related matters as appropriate. This position is responsible for managing a portfolio of accounts receivable of up to $400 million, requiring strong financial judgment, leadership, and cross-functional partnership. This position is based in Tamarac, FL with responsibility spanning all KOBs, including Blended, Waterworks, HVAC, and Facilities.

Responsibilities

• - Provide leadership and oversight for credit, collections, and accounts receivable activities across the assigned market
• - Lead, coach, develop, and engage credit team members to support business objectives and associate growth
• - Establish clear expectations and provide ongoing feedback, coaching, and development for team members
• - Support performance management and employee development processes, partnering with Human Resources and leadership as appropriate
• - Participate in workforce planning, hiring, onboarding, training, and development of team members
• - Promote a positive, collaborative, and accountable team environment
• - Support associate engagement, retention, and succession planning within the credit organization
• - Partner with Human Resources on employee relations and other people-related matters as appropriate
• - Evaluate and approve credit applications, credit limits, and account changes based on financial and risk analysis
• - Monitor customer balances, aging, and portfolio performance and ensure appropriate action is taken on delinquent or high-risk accounts
• - Develop and execute effective collection and risk-management strategies
• - Review and manage credit limits, lien rights, and other risk mitigation measures to protect company interests
• - Handle complex, high-risk, or exception accounts requiring advanced judgment or escalation
• - Manage bad debt exposure, including recovery efforts and legal escalation when necessary
• - Resolve complex credit and collection disputes in partnership with sales teams, customers, and other stakeholders
• - Partner with sales and business leadership to develop credit solutions that balance customer needs, growth opportunities, and acceptable risk
• - Structure credit solutions, including joint check agreements, for project-based accounts as appropriate
• - Maintain strong partnerships with branch and sales leadership through regular communication, branch interaction, and customer visits
• - Ensure compliance with applicable laws, regulations, company policies, and internal controls related to credit and collections
• - Monitor portfolio trends and credit performance to identify risks, opportunities, and areas for improvement
• - Communicate significant credit risks, portfolio concerns, and business opportunities to appropriate leadership

Qualifications

• - Bachelor’s degree in Finance, Accounting, Business, or a related field preferred
• - Progressive experience in Credit, Collections, Accounts Receivable, or a related financial discipline
• - Previous leadership or people-management experience strongly preferred
• - Experience coaching and developing associates and supporting employee performance
• - Strong analytical and financial decision-making skills with sound business judgment
• - Experience evaluating credit risk and managing complex or high-value account portfolios
• - Strong understanding of financial statement analysis
• - Knowledge of collection strategies and execution
• - Understanding of secondary security concepts and risk mitigation strategies
• - Knowledge of Uniform Commercial Code (UCC) fundamentals
• - Excellent verbal and written communication skills
• - Strong interpersonal and relationship-building skills with the ability to effectively partner across functions
• - Ability to influence and collaborate with sales, branch, finance, and business leadership
• - Strong organizational, prioritization, and time-management skills
• - Ability to manage multiple priorities and make sound decisions in a fast-paced environment
• - Understanding of sales processes and the relationship between credit management and profitable growth
• - Proficiency with applicable enterprise and vendor systems

Benefits

• - Pay Range: - $8,233.34 - $13,175.00 - Estimated Ranges displayed are Monthly for Salaried roles OR Hourly for all other roles.
• - This role is Bonus or Incentive Plan eligible.
• - Ferguson complies with all wage regulations.
• - The starting wage may be higher in certain locations based on local or state wage requirements.
• - The Company is an equal opportunity employer as well as a government contractor that shall abide by the requirements of 41 CFR 60-300.5(a), which prohibits discrimination against qualified protected Veterans and the requirements of 41 CFR 60-741.5(A), which prohibits discrimination against qualified individuals on the basis of disability.
• - Ferguson Enterprises, LLC. is an equal employment employer F/M/Disability/Vet/Sexual Orientation/Gender Identity.

The Company is an equal opportunity employer as well as a government contractor that shall abide by the requirements of 41 CFR 60-300.5(a), which prohibits discrimination against qualified protected Veterans and the requirements of 41 CFR 60-741.5(A), which prohibits discrimination against qualified individuals on the basis of disability. Ferguson Enterprises, LLC. is an equal employment employer F/M/Disability/Vet/Sexual Orientation/Gender Identity. Equal Employment Opportunity and Reasonable Accommodation Information Ferguson is a project success company providing expertise, solutions and products from infrastructure, plumbing and appliances to HVAC, fire, fabrication and more. As a leading value-added distributor of residential and commercial plumbing supplies and pipe, valves and fittings in the U.S., we exist to make our customers’ complex projects simple, successful and sustainable. The professionals we serve help transform the world we live in, and we are their trusted partners with the scale to provide peace of mind. Founded in 1953, Ferguson is part of Ferguson plc, which is listed on the New York Stock Exchange (NYSE: FERG) and London Stock Exchange (LSE: FERG). With approximately 36,000 associates across 1,700 locations, Ferguson plc serves customers in all 50 states, Canada, Puerto Rico, Mexico and the Caribbean.