Senior Credit Manager

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

Benefits offered by this job

Health, dental, vision

401(k) with company match

Paid time off

Inclusive & supportive benefits

Job summary

Ferguson Enterprises, LLC seeks an experienced Senior Credit Manager to lead credit, collections, and accounts receivable operations across a major market. Based in Tamarac, FL, you will drive risk management, optimize receivables, and mentor a high-performing team.

You will partner with sales and leadership to balance growth with prudent risk, review credit limits, and implement effective collection strategies for a portfolio up to $400 million.

Qualifications

• Bachelor's degree in Finance, Accounting, Business or a related field.
• Progressive experience in Credit, Collections, Accounts Receivable, or a related financial discipline.
• Strong analytical and financial decision-making skills with sound business judgment.
• Experience evaluating credit risk and managing high-value account portfolios.
• Knowledge of UCC fundamentals and risk mitigation strategies.

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.
• Evaluate and approve credit applications, credit limits, and account changes based on financial and risk analysis.
• Monitor customer balances, aging, and portfolio performance and act on delinquent or high-risk accounts.
• Develop and execute effective collection and risk-management strategies.
• Manage bad debt exposure, including recovery efforts and escalation when necessary.
• Partner with sales and business leadership to develop credit solutions balancing customer needs and risk.
• Maintain strong partnerships with branch and sales leadership through regular communication.

Skills

Credit management

Accounts receivable

Collections

Financial analysis

Leadership

Risk assessment

Communication

Collaboration

Education

Bachelor's degree in Finance/Accounting/Business

Tools

ERP systems

Job description

Job Posting: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 FacilitiesResponsibilitiesProvide leadership and oversight for credit, collections, and accounts receivable activities across the assigned marketLead, coach, develop, and engage credit team members to support business objectives and associate growthEstablish clear expectations and provide ongoing feedback, coaching, and development for team membersSupport performance management and employee development processes, partnering with Human Resources and leadership as appropriateParticipate in workforce planning, hiring, onboarding, training, and development of team membersPromote a positive, collaborative, and accountable team environmentSupport associate engagement, retention, and succession planning within the credit organizationPartner with Human Resources on employee relations and other people-related matters as appropriateEvaluate and approve credit applications, credit limits, and account changes based on financial and risk analysisMonitor customer balances, aging, and portfolio performance and ensure appropriate action is taken on delinquent or high-risk accountsDevelop and execute effective collection and risk-management strategiesReview and manage credit limits, lien rights, and other risk mitigation measures to protect company interestsHandle complex, high-risk, or exception accounts requiring advanced judgment or escalationManage bad debt exposure, including recovery efforts and legal escalation when necessaryResolve complex credit and collection disputes in partnership with sales teams, customers, and other stakeholdersPartner with sales and business leadership to develop credit solutions that balance customer needs, growth opportunities, and acceptable riskStructure credit solutions, including joint check agreements, for project-based accounts as appropriateMaintain strong partnerships with branch and sales leadership through regular communication, branch interaction, and customer visitsEnsure compliance with applicable laws, regulations, company policies, and internal controls related to credit and collectionsMonitor portfolio trends and credit performance to identify risks, opportunities, and areas for improvementCommunicate significant credit risks, portfolio concerns, and business opportunities to appropriate leadershipQualificationsBachelor’s degree in Finance, Accounting, Business, or a related field preferredProgressive experience in Credit, Collections, Accounts Receivable, or a related financial disciplinePrevious leadership or people-management experience strongly preferredExperience coaching and developing associates and supporting employee performanceStrong analytical and financial decision-making skills with sound business judgmentExperience evaluating credit risk and managing complex or high-value account portfoliosStrong understanding of financial statement analysisKnowledge of collection strategies and executionUnderstanding of secondary security concepts and risk mitigation strategiesKnowledge of Uniform Commercial Code (UCC) fundamentalsExcellent verbal and written communication skillsStrong interpersonal and relationship-building skills with the ability to effectively partner across functionsAbility to influence and collaborate with sales, branch, finance, and business leadershipStrong organizational, prioritization, and time-management skillsAbility to manage multiple priorities and make sound decisions in a fast-paced environmentUnderstanding of sales processes and the relationship between credit management and profitable growthProficiency with applicable enterprise and vendor systemsBenefitsAt Ferguson, we care for each other. We value our well-being just as much as our hard work. We are committed to a holistic approach towards benefits plans and programs that support the mental, physical and financial well-being of our associates. Our competitive offering not only includes benefits like health, dental, vision, paid time off, life insurance and a 401(k) with a company match, but our associates also enjoy additional meaningful and inclusive enhancements that are adaptable to their diverse situations and needs, including mental health coverage, gender affirming and family building benefits, paid parental leave, associate discounts, community involvement opportunities and more!-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.Equal Employment Opportunity and Reasonable Accommodation Information