Senior Credit Manager: B2B Collections & Risk

Carrier Enterprise; Houston (TX); On-site; USD 70,000 - 110,000; Full time

Job summary

Carrier Enterprise is seeking an experienced Credit Manager to oversee a $5M+ commercial accounts receivable portfolio, drive collection efforts, evaluate customer credit risk, and support profitable sales growth while minimizing bad debt exposure. This role partners with sales, branch leadership and customers in a B2B environment.

As an individual contributor, you will manage credit decisions, bonds and liens, and deliver regular status reports.

Qualifications

• Understanding of Order Management & AR systems.
• Proficiency in financial analysis, including interpretation of financial statements, credit reports, and industry data.
• In-depth knowledge of credit risk assessment techniques, credit policies, and legal regulations.
• Strong analytical & problem solving skills.
• Excellent written & oral communication skills; ability to always maintain a professional and pleasant demeanor.
• Candidate must have bonds and liens experience.
• Ability to analyze complex data and reports and manage multiple priorities.
• Ability to work independently and collaboratively in a team environment.
• Build strong relationships with internal and external stakeholders.
• Solid organizational skills and the ability to effectively communicate with all levels of the organization.
• Excellent decision-making skills with the ability to balance risk and business objectives.
• Above average PC skills and Microsoft Office skills to include Word, Excel, PowerPoint, Outlook, Access and other web based applications.

Responsibilities

• Credit extension and collection of A/R for assigned area in accordance with Company policy and applicable law.
• Work closely with branch managers, sales team, customers to resolve credit and collection issues to include outbound collections calls.
• Balance cultivating strong relationships with customers, while aggressively working to keep 90+ day past due accounts, aging, and write-offs to a minimum.
• Responsible for handling and storage of your credit files and account receivable records within assigned area.
• Handle bonds and liens for assigned area.
• Provide ad-hoc reports to management regarding status of accounts.
• Attend sales and customer meetings pertaining to credit matters.
• Support full compliance of all company credit policies and procedures, working with regional credit staff as well as internal and external auditors.
• Demonstrate commitment towards process excellence and a willingness to challenge existing processes.
• Take the initiative to identify areas of opportunity and innovative ways of doing business.
• Analyze collection processes and establish best practices.

Job description

Carrier Enterprise is seeking an experienced Credit Manager to oversee a $5M+ commercial accounts receivable portfolio, drive collection efforts, evaluate customer credit risk, and support profitable sales growth while minimizing bad debt exposure. This role partners with sales, branch leadership and customers in a B2B environment.

As an individual contributor, you will manage credit decisions, bonds and liens, and deliver regular status reports.