Strategic Credit Manager – Risk, Collections & Growth

Ferguson; San Antonio (TX); On-site; USD 94,000 - 166,000; Full time

Job summary

Ferguson seeks a Credit Manager to oversee credit, collections, and accounts receivable operations across a multi-state Mid-South territory. This role protects company assets while enabling sales growth and maximizing receivables performance.

The position requires strong financial judgment, leadership, and collaboration with sales teams. Regular travel within the territory is anticipated, with expensed trips reimbursed.

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.

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

Financial analysis

Credit management

Collections strategy

Portfolio management

Leadership

Customer relationship management

Sales process understanding

UCC fundamentals

Decision making

Risk analysis

Education

Bachelor's degree in Finance or related field

Job description

Ferguson seeks a Credit Manager to oversee credit, collections, and accounts receivable operations across a multi-state Mid-South territory. This role protects company assets while enabling sales growth and maximizing receivables performance.

The position requires strong financial judgment, leadership, and collaboration with sales teams. Regular travel within the territory is anticipated, with expensed trips reimbursed.