Credit Manager

A well-established organization is seeking an experienced Credit Manager to lead its Credit and Accounts Receivable function. This is a high-impact leadership opportunity overseeing a $300M+ accounts receivable portfolio and a team responsible for credit, collections, and AR activities.

The ideal candidate brings experience managing a large, complex credit portfolio, developing and leading high-performing teams, and navigating mechanics lien laws and related credit protections. This individual will play a critical role in balancing customer relationships, revenue growth, cash flow, and credit risk.

Key Responsibilities

• Lead, develop, and manage the Credit and Accounts Receivable team, establishing clear expectations, accountability, and performance standards.
• Oversee a $300M+ AR portfolio, including credit exposure, collections, aging, delinquency, and portfolio risk.
• Establish and manage customer credit limits, credit terms, and risk classifications based on financial and credit analysis.
• Monitor AR aging and collection performance, identifying risks and developing strategies to improve cash flow and reduce past-due balances.
• Oversee compliance with mechanics lien laws, preliminary notices, lien rights, releases, and related processes.
• Partner with sales, operations, finance, and leadership to resolve complex credit and collection matters while preserving key customer relationships.
• Evaluate financial statements, credit reports, payment history, and other information to make sound credit decisions.
• Develop and refine credit policies, procedures, controls, and performance metrics.
• Manage escalated collection matters and determine when additional collection or legal action is appropriate.
• Provide leadership with reporting and analysis related to DSO, aging, collections, bad debt exposure, credit risk, and portfolio performance.
• Identify opportunities to improve processes, controls, technology, and team effectiveness.

Ideal Candidate

• Progressive experience in credit, collections, and accounts receivable management, preferably within an organization managing a high-dollar, complex AR portfolio.
• Demonstrated experience leading Credit and/or Accounts Receivable teams.
• Experience overseeing an AR portfolio of approximately $300M or greater strongly preferred.
• Working knowledge and practical experience with mechanics lien law and lien-related processes.
• Strong financial analysis and commercial credit decision-making skills.
• Experience managing complex customer accounts, credit exposure, collections, and dispute resolution.
• Proven ability to balance risk mitigation with customer relationships and business objectives.
• Strong leadership, communication, negotiation, and problem-solving skills.