Senior Credit Manager: Growth, Risk & Collections Leader

Ferguson Enterprises, Inc.; San Marcos (TX); On-site; USD 88,000 - 154,000; Full time

Benefits offered by this job

Health insurance

Dental plan

Vision plan

Paid time off

Life insurance

401(k) with company match

Mental health coverage

Parental leave

Employee discounts

Job summary

Ferguson Enterprises, Inc. is seeking a Senior Credit Manager to oversee credit, collections and accounts receivable operations for a multi-state territory in the Mid-South US.

This role protects company assets while supporting sales growth and optimizing return on receivables. Based in Texas with regular overnight travel, you will evaluate credit applications, monitor aging, develop collection strategies and lead the credit team.

Qualifications

• Experience in Credit, Collections, or Accounts Receivable, preferably in construction.
• Strong analytical and decision-making skills with business judgment.
• Excellent communication and relationship-building abilities.
• Ability to manage multiple priorities in a fast-paced environment.
• Leadership or team development experience preferred.
• Knowledge of UCC fundamentals and related regulations.

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.
• Lead, coach, and develop credit team members.
• Partner with sales teams through regular branch interaction and customer visits.
• Structure credit solutions for project-based accounts.
• Handle complex, high-risk, or exception accounts beyond standard authority.
• Ensure compliance with applicable laws and regulations.

Skills

Credit evaluation

Portfolio management

Financial analysis

Collections strategy

Leadership

Sales process understanding

Communication

Analytical thinking

Education

Bachelor's degree in Finance or related field

Job description

Ferguson Enterprises, Inc. is seeking a Senior Credit Manager to oversee credit, collections and accounts receivable operations for a multi-state territory in the Mid-South US.

This role protects company assets while supporting sales growth and optimizing return on receivables. Based in Texas with regular overnight travel, you will evaluate credit applications, monitor aging, develop collection strategies and lead the credit team.