Senior Credit Manager - Lead Risk, Collections & Growth

Ferguson; Euless (TX); On-site; USD 88,000 - 154,000; Full time

Benefits offered by this job

Health insurance

401(k) with company match

Paid time off

Job summary

Ferguson is seeking a skilled Credit Manager to oversee credit, collections, and accounts receivable operations in Texas, supporting a multi-state territory in the Mid-South US. The role requires strong financial judgment, regular overnight travel, and collaboration with sales teams to protect assets and drive profitable growth.

Responsibilities include evaluating credit, monitoring aging, implementing collection strategies, and leading a credit team.

Qualifications

• Bachelor’s degree in Finance or related field preferred.
• Credit, Collections, or Accounts Receivable experience (construction industry preferred).
• Strong analytical and decision-making skills with sound business judgment.
• Excellent communication and relationship-building abilities.
• Ability to manage priorities and perform effectively in a fast-paced environment.
• Leadership or team development experience preferred.
• Sales process understanding.
• Credit evaluation and portfolio management.
• Financial Statement Analysis.
• Collections strategy and execution.
• Customer and branch relationship management.
• UCC fundamentals.
• Enterprise and vendor systems proficiency.

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.
• Manage bad debt exposure, including recovery efforts and legal escalation when necessary.
• Ensure compliance with applicable laws and regulations (e.g., UCC, FDCPA, ECOA, liens, bonds, Sarbanes-Oxley).
• Partner with sales teams through regular branch interaction and customer visits.
• Structure credit solutions (e.g., joint check agreements) for project-based accounts.
• Handle complex, high-risk, or exception accounts beyond standard authority.
• Lead, coach, and develop credit team members.

Skills

Analytical skills

Communication skills

Priority management

Leadership experience

Sales process understanding

Credit evaluation

Financial analysis

Collections strategy

Customer relationships

UCC fundamentals

Education

Bachelor’s degree in Finance or related field

Tools

ERP systems

Credit management software

Job description

Ferguson is seeking a skilled Credit Manager to oversee credit, collections, and accounts receivable operations in Texas, supporting a multi-state territory in the Mid-South US. The role requires strong financial judgment, regular overnight travel, and collaboration with sales teams to protect assets and drive profitable growth.

Responsibilities include evaluating credit, monitoring aging, implementing collection strategies, and leading a credit team.